Piedmont Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.72 percentage points higher than in Q1 2026, at 91.11%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $917.5M |
| Net loans and leases | $910.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.71% |
| Loan-to-deposit ratio | 94.22% |
| Net loans to equity capital | 3.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.10% |
| Multifamily (5+ residential) | 3.67% |
| Commercial and industrial | 4.04% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.11% |
| Construction concentration (Tier 1 capital + allowance) | 35.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.14% |
| Interest income on loans | $11.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $698.2M | $813.4M | 18.90% | 3.48% | 0.04% |
| Q4 2023 | $702.5M | $823.9M | 19.23% | 3.37% | 0.05% |
| Q1 2024 | $775.6M | $926.8M | 19.20% | 3.15% | 0.07% |
| Q2 2024 | $787.1M | $942.0M | 19.34% | 3.43% | 0.06% |
| Q3 2024 | $804.6M | $937.7M | 20.13% | 3.25% | 0.06% |
| Q4 2024 | $828.5M | $936.5M | 20.40% | 5.09% | 0.05% |
| Q1 2025 | $826.4M | $942.0M | 21.45% | 4.26% | 0.04% |
| Q2 2025 | $823.3M | $945.1M | 21.02% | 2.78% | 0.04% |
| Q3 2025 | $853.3M | $950.2M | 22.03% | 3.53% | 0.04% |
| Q4 2025 | $872.4M | $955.0M | 22.57% | 3.86% | 0.03% |
| Q1 2026 | $892.1M | $957.4M | 21.96% | 3.77% | 0.03% |
| Q2 2026 | $917.5M | $973.7M | 22.10% | 4.04% | 0.02% |
Piedmont Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Piedmont Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)