Piedmont Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Piedmont Federal Savings Bank of Winston Salem, NC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.25% | 1.46% | -1.21% | 4th bottom |
| ROAE | 1.37% | 12.72% | -11.35% | 4th bottom |
| Net Interest Margin | 2.41% | 3.85% | -1.44% | 4th bottom |
| Efficiency Ratio | 85.84% | 57.39% | +28.45% | 4th bottom |
| PPNR / Avg Assets | 0.32% | 1.88% | -1.56% | 3rd bottom |
| Yield on Earning Assets | 4.51% | 5.72% | -1.21% | 7th bottom |
| Cost of Funds | 2.50% | 2.02% | +0.48% | 21st bottom |
| Net Interest Spread | 1.95% | 3.18% | -1.23% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 1.00% | -0.84% | 84th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 85th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 73rd above |
| ACL / Total Loans | 0.76% | 1.31% | -0.55% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 485.58% | 543.38% | -57.80% | 81st top |
| Texas Ratio | 0.61% | 7.39% | -6.78% | 91st top |
| Provision / NCO | 10000.00% | 612.95% | +9387.05% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.60% | 11.43% | +7.17% | 97th top |
| Equity / Assets | 18.28% | 11.33% | +6.95% | 97th top |
| TCE / Tangible Assets | 17.62% | 10.50% | +7.12% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.22% | 86.95% | +7.27% | 32nd below |
| Core Deposit Ratio | 79.55% | 85.56% | -6.01% | 20th bottom |
| Uninsured Deposit Ratio | 23.20% | 33.13% | -9.93% | 77th top |
| Wholesale Funding Ratio | 7.23% | 5.70% | +1.53% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.57% | 9.68% | -7.11% | 32nd below |
| Loan Growth (Y/Y) | 11.44% | 8.05% | +3.39% | 77th top |
| Deposit Growth (Y/Y) | 3.03% | 7.87% | -4.84% | 37th below |
See Piedmont Federal Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Piedmont Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Piedmont Federal Savings Bank profile, how to read a UBPR, or how this data updates.