Side-by-side · Q2 2026 data
First Piedmont Federal Savings and Loan Association of Gaffney vs Southern First 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 | Southern First Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 76 | 91 (stronger) |
| Earnings | 90 (stronger) | 58 |
| Funding & liquidity | 50 (stronger) | 26 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 86th | 19th |
| Total assets | $597.1M | $4.7B |
| Deposits / shares | $420.5M | $4.0B |
| Capital ratio | 29.14% (stronger) | 8.89% |
| Problem loans | 0.73% | 0.28% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.76% (stronger) | 0.96% |
| Loans ÷ deposits | 122.5% | 99.8% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 45.9% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
First Piedmont Federal Savings and Loan Association of Gaffney has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Piedmont Federal Savings and Loan Association of Gaffney leads on 5 and Southern First Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.