Piedmont Federal Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.31 percentage points in Q2 2026, from 113.83% to 115.15%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Piedmont Federal Savings Bank is 9th of 38 on loan-to-deposit ratio, 94.22% as of Q2 2026, above the middle of the field. Piedmont Federal Savings Bank reported 94.22% on loan-to-deposit ratio for Q2 2026, 6.02 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $294.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $95.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.22% |
| Net loans and leases to deposits | 93.51% |
| Loans and leases to core deposits | 115.15% |
| Core deposits to total deposits | 79.55% |
| Brokered deposits to total deposits | 2.28% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.85% | 80.90% | $0 | $145.3M |
| Q4 2023 | 85.26% | 80.21% | $0 | $145.3M |
| Q1 2024 | 83.69% | 80.21% | $0 | $145.3M |
| Q2 2024 | 83.56% | 79.88% | $0 | $145.2M |
| Q3 2024 | 85.80% | 79.89% | $0 | $110.2M |
| Q4 2024 | 88.48% | 79.84% | $0 | $110.2M |
| Q1 2025 | 87.73% | 80.34% | $0 | $100.2M |
| Q2 2025 | 87.12% | 78.82% | $0 | $100.2M |
| Q3 2025 | 89.80% | 78.66% | $0 | $95.2M |
| Q4 2025 | 91.36% | 79.11% | $0 | $95.2M |
| Q1 2026 | 93.18% | 79.64% | $0 | $105.2M |
| Q2 2026 | 94.22% | 79.55% | $0 | $95.2M |
Piedmont Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Piedmont Federal Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Piedmont Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27619) · FFIEC NIC profile (RSSD 864471)