Winston Salem, NC · Cert 27619 · Piedmont Financial Holding Co.
SL · OCC · 10 branches
Q2 2026
Market Position · Winston-Salem, NC · 2026 SOD (annual) · 4.7% share · #8 of 24 inst. · $0.7B of $15.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.12% | 0.14% | 0.16% | 0.21% | +8 bps | |
| Return on Equity | 0.69% | 0.66% | 0.74% | 0.88% | 1.12% | +43 bps | |
| Net Interest Margin | 1.93% | 1.98% | 2.00% | 2.15% | 2.17% | +24 bps | |
| Efficiency Ratio | 92.86% | 92.46% | 91.35% | 90.61% | 88.38% | -447 bps | |
| Non-Interest Burden | 1.78% | 1.83% | 1.81% | 1.93% | 1.89% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.84% | -0.16% | 1.09% | 2.40% | 2.57% | +541 bps | |
| Loan Growth (YoY) | 4.60% | 6.06% | 5.30% | 7.95% | 11.44% | +684 bps | |
| Deposit Growth (YoY) | 0.33% | 1.33% | 1.98% | 1.63% | 3.03% | +271 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.11% | 0.14% | 0.06% | 0.16% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.78% | 0.77% | 0.77% | 0.77% | 0.76% | -2 bps | |
| Allowance Coverage of NPLs | 6.2x | 7.2x | 5.3x | 13.7x | 4.9x | -1.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.28% | 19.35% | 19.15% | 18.87% | 18.60% | -68 bps | |
| Total Risk-Based Capital | 19.28% | 19.35% | 19.15% | 18.87% | 18.60% | -68 bps | |
| Equity / Assets | 18.29% | 18.43% | 18.50% | 18.30% | 18.28% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.12% | 89.80% | 91.36% | 93.18% | 94.22% | +711 bps | |
| Liquid Assets / Assets | 8.30% | 6.18% | 5.99% | 5.51% | 4.87% | -343 bps | |
| CRE / Total Capital | n/a | 111.33% | 118.05% | 126.21% | n/a | n/a | |