Piedmont Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 882.15 percentage points lower than in Q1 2026, at 485.58%. Piedmont Federal Savings Bank ranks 33rd of 38 North Carolina banks on return on assets, in the lower half at 0.25% (Q2 2026). Piedmont Federal Savings Bank's return on assets of 0.25% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.03 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.60% |
| Equity capital to assets | 18.28% |
| Tangible equity to tangible assets | 17.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.61% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 485.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 1.37% |
| Net interest margin | 2.41% |
| Efficiency ratio | 85.84% |
| Yield on earning assets | 4.51% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.22% |
| Core deposits to total deposits | 79.55% |
| Brokered deposits to total deposits | 2.28% |
| Deposits to assets | 73.99% |
| Securities to assets | 18.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.24% | 0.18% | 1.85% | 0.03% | 0.00% |
| Q4 2023 | 18.73% | -0.32% | 1.65% | 0.03% | 0.00% |
| Q1 2024 | 18.77% | -0.86% | 1.72% | 0.07% | 0.00% |
| Q2 2024 | 18.63% | 0.06% | 1.78% | 0.05% | 0.09% |
| Q3 2024 | 18.26% | 0.07% | 1.81% | 0.02% | 0.00% |
| Q4 2024 | 18.74% | 0.08% | 1.92% | 0.12% | 0.00% |
| Q1 2025 | 18.86% | 0.12% | 1.97% | 0.03% | 0.01% |
| Q2 2025 | 18.93% | 0.13% | 2.13% | 0.13% | 0.00% |
| Q3 2025 | 19.03% | 0.11% | 2.19% | 0.11% | -0.00% |
| Q4 2025 | 18.88% | 0.18% | 2.25% | 0.14% | 0.00% |
| Q1 2026 | 18.87% | 0.16% | 2.32% | 0.06% | 0.00% |
| Q2 2026 | 18.60% | 0.25% | 2.41% | 0.16% | 0.00% |
Piedmont Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Piedmont Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)