Side-by-side · Q2 2026 data
Southern 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 | Southern Bank | First Piedmont Federal Savings and Loan Association of Gaffney |
|---|---|---|
| TellerScore | 59 | 84 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 91 (stronger) | 76 |
| Earnings | 24 | 90 (stronger) |
| Funding & liquidity | 84 (stronger) | 50 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 17th | 86th |
| Total assets | $407.9M | $597.1M |
| Deposits / shares | $358.4M | $420.5M |
| Capital ratio | 8.18% | 29.14% (stronger) |
| Problem loans | 0.28% (stronger) | 0.73% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.10% | 1.76% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 122.5% |
| Uninsured deposits | 17.8% | 13.7% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | — |
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), Southern Bank leads on 3 and First Piedmont Federal Savings and Loan Association of Gaffney on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.