Piedmont Federal Savings Bank

Winston-Salem, NC

Rating Date

March 2026

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Weiss Ratings	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.00
Capitalization Index	10.00
Liquidity Index	3.20
Profitability Index	1.30
Stability Index	8.20

Company Info	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
FDIC Number	27619
Phone Number	(336) 770-1000
Website	www.piedmontfederal.bank

Asset Quality	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.09%
5-Year Asset Growth	8.23%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.10%
Non-Performing Loans to Capital	0.50%
Non-Performing Loans to Loans	0.14%

Balance Sheet	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.30B
Total Deposits	954.99M

Capital and Reserves	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Capital	239.67M
Leverage Ratio	19.15
Loan Loss Reserves to Loans	0.77%
Risk-Based Capital Ratio	--

Liquidity	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	37.61%
Liquidity Ratio	26.53%

Profitability	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.08%
Net Income	1.74M
Net Interest Spread	2.13%
Operating Profit to Average Assets	0.14%
Overhead Efficiency Ratio	92.49%
Return on Assets	0.14%
Return on Equity	0.74%