Side-by-side · Q2 2026 data
First Piedmont Federal Savings and Loan Association of Gaffney vs OPTUS Bank
Bank
First Piedmont Federal Savings and Loan Association of Gaffney
Gaffney, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | First Piedmont Federal Savings and Loan Association of Gaffney | OPTUS Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 76 (stronger) | 69 |
| Earnings | 90 (stronger) | 58 |
| Funding & liquidity | 50 | 86 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 86th | 61st |
| Total assets | $597.1M | $764.2M |
| Deposits / shares | $420.5M | $646.4M |
| Capital ratio | 29.14% (stronger) | 12.99% |
| Problem loans | 0.73% (stronger) | 0.94% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.76% (stronger) | 0.95% |
| Loans ÷ deposits | 122.5% | 70.2% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 18.7% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Piedmont Federal Savings and Loan Association of Gaffney has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Piedmont Federal Savings and Loan Association of Gaffney leads on 6 and OPTUS Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.