Piedmont Federal Savings Bank

Winston-Salem, NC

Rating Date

October 2025

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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	9.10
Capitalization Index	10.00
Liquidity Index	3.40
Profitability Index	1.20
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	-0.16%
5-Year Asset Growth	9.42%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.07%
Non-Performing Loans to Capital	0.36%
Non-Performing Loans to Loans	0.11%

Balance Sheet	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.29B
Total Deposits	950.19M

Capital and Reserves	Piedmont Federal Savings Bank Winston-Salem, NC	Click to Compare	Click to Compare	Click to Compare
Capital	237.06M
Leverage Ratio	19.35
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	38.67%
Liquidity Ratio	27.82%

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	1.16M
Net Interest Spread	2.10%
Operating Profit to Average Assets	0.12%
Overhead Efficiency Ratio	93.64%
Return on Assets	0.12%
Return on Equity	0.66%