PIEDMONT FEDERAL SAVINGS BANK

WINSTON SALEM, NC | Large | Est. Jan. 1, 1903, midnight | FDIC #27619 | RSSD #864471 | OCC
Latest Report: 2025-12-31

PIEDMONT FEDERAL SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in WINSTON SALEM, NC, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $955M. Profitability stands at 0.18% ROA and 0.97% ROE, with a net interest margin of 2.29%. The bank's CET1 capital ratio is 17.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.51%. FDIC Certificate #27619.

Assets

$1.3B

Deposits

$955M

Loans

$872M

Equity

$240M

Profitability

Return on Assets (ROA) 0.18%
Return on Equity (ROE) 0.97%
Net Interest Margin (NIM) 2.29%
Yield on Assets 4.52%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.51%
NPA Ratio 0.10%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 17.22%
Tier 1 Capital 17.22%
Total Capital Ratio 18.08%
Leverage Ratio 19.15%
Loan-to-Deposit 91.36%

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