Piedmont Federal Savings Bank
Winston Salem, NC · Cert 27619 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Piedmont Financial Holding Co.
SL · OCC · 10 branches
Q2 2026
$1.3BAssets
$917.5MLoans
$973.7MDeposits
$240.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 9 of 258).
- Widest gap: efficiency ratio trails 98% of banks $1B-$10B in assets operating in a single state (rank 252 of 257).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.20%
Rank 253 of 258
Net Interest Margin
2.17%
Rank 252 of 258
Efficiency Ratio
89.31%
Rank 252 of 257
Equity / Assets
18.28%
Rank 9 of 258
Non-interest income vs. expense
Unfavorable gap of $25.3M · efficiency ratio beats 2% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.20% | 0.93% | 1.23% | 1.54% | Beats 2% | 253 / 258 | | |
| Return on Equity | 1.12% | 9.26% | 11.84% | 14.74% | Beats 2% | 253 / 258 | | |
| Net Interest Margin | 2.17% | 3.16% | 3.49% | 3.88% | Beats 2% | 252 / 258 | | |
| Efficiency Ratio | 89.31% | 51.71% | 60.30% | 69.65% | Beats 2% | 252 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.46% | 0.90% | Beats 78% | 58 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 94% | 20 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 18.60% | 11.41% | 12.98% | 15.12% | Beats 90% | 25 / 258 | | |
| Total Risk-Based Capital Ratio | 18.60% | 12.10% | 13.91% | 16.08% | Beats 88% | 32 / 258 | | |
| Equity / Assets | 18.28% | 9.09% | 10.24% | 11.72% | Beats 97% | 9 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.22% | 73.24% | 86.34% | 95.95% | 71st pctl | 75 / 258 | | |
| Loans / Assets | 69.71% | 63.01% | 72.27% | 78.40% | 41st pctl | 153 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |