Side-by-side · Q2 2026 data
Palmetto State Bank vs First Piedmont Federal Savings and Loan Association of Gaffney
Bank
First Piedmont Federal Savings and Loan Association of Gaffney
Gaffney, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Palmetto State Bank | First Piedmont Federal Savings and Loan Association of Gaffney |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 96 (stronger) | 76 |
| Earnings | 58 | 90 (stronger) |
| Funding & liquidity | 86 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 92nd | 86th |
| Total assets | $597.5M | $597.1M |
| Deposits / shares | $493.7M | $420.5M |
| Capital ratio | 14.85% | 29.14% (stronger) |
| Problem loans | 0.12% (stronger) | 0.73% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.96% | 1.76% (stronger) |
| Loans ÷ deposits | 46.5% (stronger) | 122.5% |
| Uninsured deposits | 27.4% | 13.7% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Palmetto State Bank has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Palmetto State Bank leads on 4 and First Piedmont Federal Savings and Loan Association of Gaffney on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.