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
Ehrhardt, SC
Health score
72.5
Total assets
$535.1M
Bank
Gaffney, SC
Health score
79.6
Total assets
$597.1M
Answer first
Enterprise Bank of South Carolina leads on profitability and growth; First Piedmont Federal Savings and Loan Association of Gaffney leads on financial health and capitalization 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
First Piedmont Federal Savings and Loan Association of Gaffney
Higher TFS health score
Capitalization
First Piedmont Federal Savings and Loan Association of Gaffney
Higher comparable capital ratio
Profitability
Enterprise Bank of South Carolina
Higher return on assets
Lending quality
First Piedmont Federal Savings and Loan Association of Gaffney
Lower problem-loan measure
Growth
Enterprise Bank of South Carolina
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 | Enterprise Bank of South Carolina | First Piedmont Federal Savings and Loan Association of Gaffney |
|---|---|---|
| TFS health score | 72.5/100 | 79.6/100Leads |
| Total assets | $535.1M | $597.1M |
| Total deposits / shares | $472.2M | $420.5M |
| Tier 1 capital ratio | 9.26% | 29.14%Leads |
| Return on assets | 6.21%Leads | 1.76% |
| Return on equity | 80.70% |
Enterprise Bank of South Carolina
12 branches
First Piedmont Federal Savings and Loan Association of Gaffney
7 branches
Both institutions report branches in 1 state: SC.
Enterprise Bank of South Carolina
Unavailable
First Piedmont Federal Savings and Loan Association of Gaffney
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.
Enterprise Bank of South Carolina
0 in TFS registry
First Piedmont Federal Savings and Loan Association of Gaffney
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 | Enterprise Bank of South Carolina score | Enterprise Bank of South Carolina ROA | First Piedmont Federal Savings and Loan Association of Gaffney score | First Piedmont Federal Savings and Loan Association of Gaffney ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.53% | — | 1.86% |
| 2024-Q4 | — | 0.53% | — | 2.14% |
| 2025-Q1 | — | 0.67% | — | 1.75% |
| 2025-Q2 | — | 0.78% | — | 1.84% |
| 2025-Q3 | — | 0.80% | — | 1.87% |
| 2025-Q4 | — | 2.30% | — | 1.81% |
| 2026-Q1 |
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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.
| 6.12% |
| Non-performing loans | 3.64% | 0.73%Leads |
| Net charge-offs | 0.11% | 0.00%Leads |
| Efficiency ratio | 36.69%Leads | 53.75% |
| Loan-to-deposit ratio | 61.79% | 122.53% |
| Asset growth (YoY) | 9.41%Leads | 3.50% |
| Deposit / share growth (YoY) | 0.84% | 2.46%Leads |
| Branches | 12 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 71.7/100 |
| 8.55% |
| 79.6/100 |
| 1.69% |
| 2026-Q2 | 72.5/100 | 6.21% | 79.6/100 | 1.76% |