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First Piedmont Federal Savings And Loan Association Of Gaffney
Gaffney, SC · FDIC Certificate #28859 · Chartered 01/0
Total assets
$597.12M
Total deposits
$420.48M
Total equity
$172.47M
Net loans
$515.20M
Branches (offices)
7
Net income (YTD)
$5.19M
Rank: #1,560 of 4,213 U.S. banks by assets · #21 of 43 in South Carolina. Assets changed 3.5% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 6.12% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 28.88% |
| Tier 1 leverage ratio | 29.14% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 122.5% |
| Real estate loans (share of loans) | 100.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $515.69M | 100.1% | |
| Commercial & industrial | $524.00K | 0.1% | |
| Consumer / individual | $5.00M | 1.0% | |
| Construction & development | $52.61M | 10.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $571.50M | $433.88M | $3.26M | $133.29M |
| Jun 2023 | $562.27M | $416.53M | $5.32M | $140.57M |
| Jun 2024 | $550.22M | $393.80M | $5.15M | $149.81M |
| Jun 2025 | $576.95M | $410.39M | $5.25M | $161.89M |
| Jun 2026 | $597.12M | $420.48M | $5.19M | $172.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $420.48M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.48M.
Similar-sized banks
Regional Missouri Bank ($597.40M) · The Falls City National Bank ($597.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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