Bank Comparison
Piedmont Federal Savings Bank vs North State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Piedmont Federal Savings Bank | North State Bank |
|---|---|---|
| CET1 Ratio | — | 11.15% |
| Tier 1 Capital Ratio | — | 11.15% |
| Total Capital Ratio | — | 11.87% |
| Tier 1 Leverage Ratio | 18.87% | 8.51% |
| Equity / Assets | 18.30% | 8.35% |
Profitability
| Metric | Piedmont Federal Savings Bank | North State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.16% | 0.77% |
| Return on Equity (ROE) | 0.88% | 8.99% |
| Net Interest Margin (NIM) | 2.32% | 3.87% |
| Yield on Earning Assets | 4.41% | 5.29% |
| Cost of Funds | 2.41% | 1.49% |
Asset quality
| Metric | Piedmont Federal Savings Bank | North State Bank |
|---|---|---|
| Texas Ratio | 0.21% | 1.18% |
| Non-Performing Loan Ratio | 0.06% | 0.13% |
| Non-Performing Asset Ratio | 0.04% | 0.10% |
| Net Charge-Off Ratio | 0.00% | -0.08% |
| ACL / Loans | 0.77% | 0.66% |
Balance sheet
| Metric | Piedmont Federal Savings Bank | North State Bank |
|---|---|---|
| Total Assets | $1,307M | $1,457M |
| Total Deposits | $957,373K | $1,223M |
| Total Loans | $892,090K | $1,174M |
| Total Equity | $239,320K | $121,658K |
| Net Income (quarter) | $525 | $2,736K |
Liquidity & funding
| Metric | Piedmont Federal Savings Bank | North State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.18% | 95.97% |
| Core Deposit Ratio | 81.86% | 98.98% |
| Uninsured Deposit Ratio | 21.72% | 33.07% |
Identity
| Metric | Piedmont Federal Savings Bank | North State Bank |
|---|---|---|
| Headquarters City | WINSTON SALEM | RALEIGH |
| Headquarters State | NC | NC |
| Asset Tier | Large | Large |
| Charter Class | 700007 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 10 | 7 |
| Employees (FTE) | 115 | 196 |
| Established | Jan. 1, 1903, midnight | June 1, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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