TellerScore

Piedmont Federal Savings Bank (FDIC certificate #27619) is based in Winston Salem, North Carolina. Its Q2 2026 call report shows $1.3B in total assets and $973.7M in deposits and 10 offices.

Piedmont Federal Savings Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 38 banks headquartered in North Carolina, it ranks 13th. Capital cushion contributes the most (100/100, 18.60%); earnings contributes the least (28/100, 0.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.60%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings28/100
Return on assets (annualized): 0.21%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 93.5% · 23.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).

TellerScore
777981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202477
Q1 202581
Q2 202579
Q3 202579
Q4 202578
Q1 202679
Q2 202678
Tier 1 leverage ratio
5.00%12.17%19.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202418.63%
Q3 202418.56%
Q4 202419.06%
Q1 202519.23%
Q2 202519.28%
Q3 202519.35%
Q4 202519.15%
Q1 202618.87%
Q2 202618.60%
Noncurrent loans
0.02%0.09%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.02%
Q4 20240.12%
Q1 20250.03%
Q2 20250.13%
Q3 20250.11%
Q4 20250.14%
Q1 20260.06%
Q2 20260.16%
Return on assets
-0.41%-0.10%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.41%
Q3 2024-0.25%
Q4 2024-0.16%
Q1 20250.12%
Q2 20250.13%
Q3 20250.12%
Q4 20250.14%
Q1 20260.16%
Q2 20260.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$1.3B18.60%0.16%0.21%93.5%
Q1 202679$1.3B18.87%0.06%0.16%92.5%
Q4 202578$1.3B19.15%0.14%0.14%90.7%
Q3 202579$1.3B19.35%0.11%0.12%89.1%
Q2 202579$1.3B19.28%0.13%0.13%86.4%
Q1 202581$1.3B19.23%0.03%0.12%87.0%
Q4 202477$1.3B19.06%0.12%-0.16%87.8%
Q3 202478$1.3B18.56%0.02%-0.25%85.1%
Q2 202477$1.3B18.63%0.05%-0.41%82.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.60%
97th
Total risk-based capital0.00%
13th
Problem loans0.16%
81st
Net charge-offs0.00%
78th
Return on assets0.21%
4th
Net interest margin2.42%
4th
Efficiency ratio88.4%
2nd
Loans to deposits93.5%
30th
Uninsured deposits23.2%
76th
Loan-loss reserves0.76%
13th
Texas ratio0.6%
89th

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Uwharrie BankBank Albemarle, NC74 out of 100, Strong$1.2B10.1%0.11%vs
North State BankBank Raleigh, NC61 out of 100, Moderate$1.5B8.5%0.17%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
Peoples BankBank Newton, NC75 out of 100, Strong$1.8B11.5%0.41%vs
First Carolina BankBank Rocky Mount, NC66 out of 100, Moderate$3.4B11.4%0.81%vs
HomeTrust BankBank Asheville, NC68 out of 100, Moderate$4.4B12.9%1.40%vs

Deposit insurance

Is my money safe at Piedmont Federal Savings Bank?

Yes. Piedmont Federal Savings Bank is an FDIC-insured institution (FDIC certificate #27619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.2% of deposits ($225.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Piedmont Federal Savings Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Piedmont Federal Savings Bank reported 154 home-loan applications under HMDA (LEI 549300DD6DH8XAGW3A86): 118 originated ($40,220,000 total), 10 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Piedmont Federal Savings Bank
Former names
Piedmont Federal Savings and Loan Association
Type
Savings association
FDIC certificate #
27619
RSSD ID
864471
Primary regulator
OCC
Holding company
Piedmont Financial Holding Co
Established
January 1, 1903
Headquarters
201 S Stratford Rd, Winston Salem, NC 27103
Employees
120

Quick answers

Piedmont Federal Savings Bank: common questions

Is Piedmont Federal Savings Bank FDIC insured?

Yes. Piedmont Federal Savings Bank is an FDIC-insured institution (FDIC certificate #27619). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Piedmont Federal Savings Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Piedmont Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #27619 in the FDIC failed bank list.

How many branches does Piedmont Federal Savings Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winston Salem

InstitutionScoreAssetsCapitalProblem loansCompare
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
American Pride BankBank Macon, GA77 out of 100, Strong$1.0B14.1%0.00%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs