Side-by-side · Q2 2026 data
Piedmont Federal Savings Bank vs First Carolina Bank
Metric by metric
| Measure | Piedmont Federal Savings Bank | First Carolina Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 95 (stronger) | 73 |
| Earnings | 28 | 51 (stronger) |
| Funding & liquidity | 58 | 62 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 86th | 40th |
| Total assets | $1.3B | $3.4B |
| Deposits / shares | $973.7M | $2.9B |
| Capital ratio | 18.60% (stronger) | 11.36% |
| Problem loans | 0.16% (stronger) | 0.81% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.21% | 0.78% (stronger) |
| Loans ÷ deposits | 93.5% (stronger) | 94.8% |
| Uninsured deposits | 23.2% | 17.7% (stronger) |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 5.6% |
Piedmont Federal Savings Bank has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Piedmont Federal Savings Bank leads on 4 and First Carolina Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.