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BDI
FP

First Piedmont Federal Savings and Loan Association of Gaffney

Gaffney, South CarolinaFDIC Cert #28859

OCCEstablished 19337 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$29.5M
Investor CRE$43.2M
Multifamily$3.76M
Construction$49.9M
1–4 family$379M
C&I$533K
Agriculture$0
Other$7.62M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$514M
+4.4%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$508M
+4.5%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET
Loans YoY
+4.50%
+1,522.1%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
121.7%
+0.1%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
85.9%
−0.4%y/y
Percentile by value95th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
109.34%
+0.9%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
5,768points
+1.8%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
5.75%
−0.3%y/y
Percentile by value41st percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
8.40%
−13.9%y/y
Percentile by value41st percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
0.10%
+3.9%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR