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Piedmont Federal Savings Bank
Winston Salem, NC · FDIC Certificate #27619 · Chartered 01/0
Total assets
$1.32B
Total deposits
$973.73M
Total equity
$240.53M
Net loans
$910.49M
Branches (offices)
10
Net income (YTD)
$1.35M
Rank: #838 of 4,213 U.S. banks by assets · #13 of 38 in North Carolina. Assets changed 2.6% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.21% |
| Return on equity | 1.12% |
| Net interest margin (YTD) | 2.42% |
| Equity to assets | 18.28% |
| Tier 1 leverage ratio | 18.60% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.5% |
| Real estate loans (share of loans) | 97.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $883.09M | 97.0% | |
| Commercial & industrial | $37.22M | 4.1% | |
| Consumer / individual | $204.00K | 0.0% | |
| Construction & development | $90.48M | 9.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.13B | $770.66M | $883.00K | $210.47M |
| Jun 2023 | $1.17B | $812.97M | $753.00K | $207.45M |
| Jun 2024 | $1.32B | $941.97M | -$2.60M | $228.47M |
| Jun 2025 | $1.28B | $945.05M | $806.00K | $234.63M |
| Jun 2026 | $1.32B | $973.73M | $1.35M | $240.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $973.73M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $973.73M.
Similar-sized banks
First Capital Bank ($1.32B) · Farmers State Bank ($1.31B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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