Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #27619 · Winston Salem, North Carolina · Est. 1903
Piedmont Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Piedmont Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.3B
- Total assets
- B
- Health grade · Good
- 0.14%
- Return on assets
- 19.2%
- Tier 1 capital
Data updated July 2026
The verdict
Piedmont Federal Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 19.15% Tier 1, 0.14% ROA, 91% efficiency ratio.
- #847
- largest of 4,313 FDIC banks by assets
- 80th
- percentile by asset size, nationally
- 19.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Piedmont Federal Savings Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Piedmont Federal Savings Bank's composite health score
Tier 1 Capital Ratio (19.15%) 40/40
Return on Assets (ROA) (0.14%) 7/25
Texas Ratio (0.51%) 20/20
Efficiency Ratio (91.35%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$955M
Customer-funded liabilities
Net Loans
$866M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Piedmont Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Piedmont Federal Savings Bank's score of 67/100 falls in the highlighted band.
Piedmont Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Piedmont Federal Savings Bank's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.15%
Texas Ratio
0.51%
Equity Capital
$240M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.14%
Return on Equity (ROE)
0.74%
Efficiency Ratio
91.35%
What the numbers say about Piedmont Federal Savings Bank
Piedmont Federal Savings Bank is an FDIC-insured institution (Certificate #27619) headquartered in Winston Salem, North Carolina, established in 1903. It holds $1.3B in total assets - 847th of 4,313 FDIC-insured banks, $955M in customer deposits, and $866M in net loans. Looking at capital strength, Tier 1 stands at 19.15%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.51%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within North Carolina, Piedmont Federal Savings Bank ranks 13th of 38 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$53M
Interest Income
$4M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Piedmont Federal Savings Bank reports a Texas Ratio of 0.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Piedmont Federal Savings Bank (FDIC Cert #27619) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National AssociationCharlotte | $2.64T | A | 1.15% |
| Truist BankCharlotte | $539.5B | A | 1.04% |
| First-Citizens Bank & Trust CompanyRaleigh | $229.3B | B | 1.00% |
| Live Oak Banking CompanyWilmington | $15.1B | C | 0.82% |
| First BankSouthern Pines | $12.7B | A | 0.94% |
| Southern Bank and Trust CompanyMount Olive | $5.2B | A | 1.19% |
| HomeTrust BankAsheville | $4.5B | A | 1.43% |
| The Fidelity BankFuquay Varina | $4.4B | A | 1.74% |
Frequently asked questions
What is Piedmont Federal Savings Bank's health grade?▼
Piedmont Federal Savings Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Piedmont Federal Savings Bank?▼
Piedmont Federal Savings Bank holds $1.3B in total assets and $955M in deposits, ranking 847th of 4,313 FDIC-insured banks by asset size. It is headquartered in Winston Salem, North Carolina.
Is my money safe at Piedmont Federal Savings Bank?▼
Yes, deposits at Piedmont Federal Savings Bank (Certificate #27619) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Piedmont Federal Savings Bank's Tier 1 Capital Ratio?▼
Piedmont Federal Savings Bank has a Tier 1 Capital Ratio of 19.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Piedmont Federal Savings Bank?▼
Piedmont Federal Savings Bank has a Texas Ratio of 0.51%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Piedmont Federal Savings Bank?▼
Piedmont Federal Savings Bank has an Efficiency Ratio of 91.35%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Piedmont Federal Savings Bank's profile as a depositor or analyst.
- Piedmont Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Piedmont Federal Savings Bank against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.