This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Gaffney, SC
Health score
79.6
Total assets
$597.1M
Bank
Seneca, SC
Health score
83.0
Total assets
$679.4M
Answer first
First Piedmont Federal Savings and Loan Association of Gaffney leads on capitalization and profitability and growth; Oconee Federal Savings and Loan Association leads on financial health and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Category leaders
Financial health
Oconee Federal Savings and Loan Association
Higher TFS health score
Capitalization
First Piedmont Federal Savings and Loan Association of Gaffney
Higher comparable capital ratio
Profitability
First Piedmont Federal Savings and Loan Association of Gaffney
Higher return on assets
Lending quality
Oconee Federal Savings and Loan Association
Lower problem-loan measure
Growth
First Piedmont Federal Savings and Loan Association of Gaffney
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | First Piedmont Federal Savings and Loan Association of Gaffney | Oconee Federal Savings and Loan Association |
|---|---|---|
| TFS health score | 79.6/100 | 83.0/100Leads |
| Total assets | $597.1M | $679.4M |
| Total deposits / shares | $420.5M | $571.2M |
| Tier 1 capital ratio | 29.14%Leads | 13.55% |
| Return on assets | 1.76%Leads | 0.76% |
| Return on equity | 6.12% |
First Piedmont Federal Savings and Loan Association of Gaffney
7 branches
Oconee Federal Savings and Loan Association
8 branches
Both institutions report branches in 1 state: SC.
First Piedmont Federal Savings and Loan Association of Gaffney
Unavailable
Oconee Federal Savings and Loan Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
First Piedmont Federal Savings and Loan Association of Gaffney
0 in TFS registry
Oconee Federal Savings and Loan Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | First Piedmont Federal Savings and Loan Association of Gaffney score | First Piedmont Federal Savings and Loan Association of Gaffney ROA | Oconee Federal Savings and Loan Association score | Oconee Federal Savings and Loan Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.86% | — | 1.34% |
| 2024-Q4 | — | 2.14% | — | 1.16% |
| 2025-Q1 | — | 1.75% | — | 0.63% |
| 2025-Q2 | — | 1.84% | — | 0.76% |
| 2025-Q3 | — | 1.87% | — | 0.78% |
| 2025-Q4 | — | 1.81% | — | 0.76% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
Capital and asset-quality definitions are directly comparable for this pair.
| 6.18%Leads |
| Non-performing loans | 0.73% | 0.33%Leads |
| Net charge-offs | 0.00% | -0.00%Leads |
| Efficiency ratio | 53.75%Leads | 61.11% |
| Loan-to-deposit ratio | 122.53% | 86.78% |
| Asset growth (YoY) | 3.50%Leads | 1.48% |
| Deposit / share growth (YoY) | 2.46% | 4.19%Leads |
| Branches | 7 | 8 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 2026-Q1 |
| 79.6/100 |
| 1.69% |
| 81.5/100 |
| 0.70% |
| 2026-Q2 | 79.6/100 | 1.76% | 83.0/100 | 0.76% |