BlastPoint's Banking Scorecard
Piedmont Federal Savings Bank
Designations: ✓ Community bank
Winston Salem, NC
10 branches across NC
Piedmont Federal Savings Bank has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 36.8% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.7% in tier
- - Liquidity Overhang: Bottom 29.3% in tier
- - Credit Risk Growth: Bottom 33.3% in tier
- - Liquidity Strain: Bottom 35.6% in tier
- - Efficiency Drag: Bottom 60.8% in tier
- - Return on Assets 1.20% below tier average
- - Net Interest Margin 1.46% below tier average
- - Non-Interest-Bearing Deposit Share 16.94% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.4% YoY
+0.9% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$885.3M
+8.0% YoY
+2.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$957.4M
+1.6% YoY
+0.2% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.7% in tier |
| Return on Assets ? |
0.16%
+32.3% YoY
+19.2% QoQ
|
-1.20% |
1.37%
+19.6% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.6% in tier |
| Net Interest Margin ? |
2.36%
+16.6% YoY
+7.8% QoQ
|
-1.46% |
3.82%
+6.9% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio ? |
90.61%
-1.1% YoY
-0.8% QoQ
|
+29.55% |
61.06%
-4.6% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate ? |
0.06%
+106.3% YoY
-61.3% QoQ
|
-0.83% |
0.89%
+14.1% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Top 7.6% in tier |
| Loan-to-Deposit Ratio ? |
92.47%
+6.2% YoY
+2.0% QoQ
|
+8.26% |
84.20%
+0.3% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
4.35%
+21.4% YoY
+15.3% QoQ
|
-16.94% |
21.29%
-2.5% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.6% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+117.5% YoY
-60.8% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 7.5% in tier |
| Tier 1 Capital Ratio ? |
18.87%
-1.9% YoY
-1.5% QoQ
|
+3.71% |
15.16%
+2.0% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Top 9.5% in tier |
| Non-Interest Income / Assets ? |
0.07%
+8.3% YoY
-75.4% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
18% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.