Side-by-side · Q2 2026 data
Piedmont Federal Savings Bank vs Carter Bank & Trust
Metric by metric
| Measure | Piedmont Federal Savings Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 95 (stronger) | 66 |
| Earnings | 28 | 100 (stronger) |
| Funding & liquidity | 58 | 70 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 86th | 80th |
| Total assets | $1.3B | $4.8B |
| Deposits / shares | $973.7M | $4.2B |
| Capital ratio | 18.60% (stronger) | 11.73% |
| Problem loans | 0.16% (stronger) | 1.01% |
| Net charge-offs | 0.00% | -0.82% (stronger) |
| Return on assets | 0.21% | 3.66% (stronger) |
| Loans ÷ deposits | 93.5% | 87.7% (stronger) |
| Uninsured deposits | 23.2% | 17.7% (stronger) |
| Offices | 10 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 28.0% |
Piedmont Federal Savings Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Piedmont Federal Savings Bank leads on 3 and Carter Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.