BlastPoint's Banking Scorecard
Piedmont Federal Savings Bank
Designations: ✓ Community bank
Winston Salem, NC
10 branches across NC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
- Deposits +3.0% year over year ($973.7M on the books).
- Delinquency rate 0.16%.
- Return on assets 0.21%.
- Efficiency ratio 88.38% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.51% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Piedmont Federal Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.9% in tier
- - Liquidity Overhang: Bottom 28.5% in tier
- - Efficiency Drag: Bottom 70.0% in tier
- - Return on Assets 1.18% below tier average
- - Net Interest Margin 1.45% below tier average
- - Non-Interest-Bearing Deposit Share 16.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.6% YoY
+0.6% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$910.5M
+11.5% YoY
+2.8% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$973.7M
+3.0% YoY
+1.7% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.7% in tier |
| Return on Assets ? |
0.21%
+63.8% YoY
+27.8% QoQ
|
-1.18% |
1.39%
+17.0% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.9% in tier |
| Net Interest Margin ? |
2.42%
+15.4% YoY
+2.6% QoQ
|
-1.45% |
3.87%
+6.2% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio ? |
88.38%
-4.8% YoY
-2.5% QoQ
|
+28.66% |
59.73%
-12.6% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate ? |
0.16%
+24.1% YoY
+179.8% QoQ
|
-0.71% |
0.87%
+11.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
93.51%
+8.2% YoY
+1.1% QoQ
|
+8.47% |
85.04%
-0.1% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
5.14%
+27.8% YoY
+18.2% QoQ
|
-16.14% |
21.27%
-1.5% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.2% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+34.9% YoY
+186.0% QoQ
|
-0.57% |
0.67%
+11.7% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
18.60%
-3.5% YoY
-1.4% QoQ
|
+3.76% |
14.84%
-0.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.15%
+5.6% YoY
+112.4% QoQ
|
-0.38% |
0.53%
+2.5% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.1%
+1.1pp YoY +0.8pp QoQ |
-16.2pp | 21.4% | 21.8% | 22.2% | 4% |
| Brokered Deposits |
2.3%
-0.1pp YoY +0.1pp QoQ |
-7.2pp | 9.5% | 7.7% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
+1.3pp YoY +0.3pp QoQ |
-9.9pp | 14.0% | 10.5% | 12.5% | 14% |
| CRE |
36.0%
+5.5pp YoY +0.9pp QoQ |
-14.0pp | 50.0% | 46.3% | 41.4% | 17% |
| 1-4 Family |
61.0%
-6.6pp YoY -1.1pp QoQ |
+34.6pp | 26.4% | 44.2% | 31.3% | 95% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 1.6% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.8% | 19.7% | n/a |
| Leverage Ratio |
18.6%
-0.7pp YoY -0.3pp QoQ |
+7.3pp | 11.3% | 14.4% | 12.6% | 97% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
120
-1 (-0.8%) YoY +5 (+4.3%) QoQ |
-194 | 313 | 5,103 | 482 | 13% |
| Assets per Employee ($) |
$11.0M
+3.4% YoY -3.6% QoQ |
+$486K | $10.5M | $9.4M | $8.8M | 72% |
| Branch Count |
10
-1 (-9.1%) YoY 0 QoQ |
-10 | 20 | 170 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.7pp | 0.8% | 0.7% | 1.0% | 17% |
| Allowance Coverage |
4.86x
-21.3% YoY -64.5% QoQ |
-13.85x | 18.71x | 3.36x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.1%
+0.4pp YoY +0.2pp QoQ |
-11.5pp | 12.6% | 8.7% | 11.6% | 2% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 70% |
| Net Income ($, YTD) |
$1.3M
+67.1% YoY — QoQ |
-$17.9M | $19.2M | $518.0M | $40.4M | 2% |
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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 (3)
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.
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.