BlastPoint

BlastPoint's Banking Scorecard

Piedmont Federal Savings Bank

Community Specialty: Other NC FDIC cert 27619

Winston Salem, NC

1484 banks in Community tier nationally 14 in NC
View Community leaderboard (NC) →

Piedmont Federal Savings Bank has 1 strength but faces 8 concerns

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 9% in Community

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9% in Community
  • - Credit Risk Growth: Bottom 17% in Community
  • - Liquidity Strain: Bottom 18% in Community
  • - Capital Thin: Bottom 21% in Community
  • - Return on Assets 1.03% below tier
  • - Net Interest Margin 1.48% below tier
  • - Efficiency Ratio 28.72% above tier
  • - Non-Interest-Bearing Deposit Share 17.28% below tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $1.3B
+1.1% YoY +0.7% QoQ
-$95.7M $1.4B
+2.0% YoY
$91.2B
+2.2% YoY
$5.9B
+6.5% YoY
63%
Total Loans ? $865.8M
+5.3% YoY +2.3% QoQ
-$109.7M $975.5M
+2.4% YoY
$44.3B
+7.5% YoY
$3.1B
+8.5% YoY
62%
Total Deposits ? $955.0M
+2.0% YoY +0.5% QoQ
-$209.6M $1.2B
+1.7% YoY
$71.7B
+2.4% YoY
$4.7B
+6.3% YoY
57%
Return on Assets ? 0.14%
+183.2% YoY +12.4% QoQ
-1.03% 1.16%
+17.2% YoY
0.79%
+31.0% YoY
1.12%
+15.6% YoY
Bottom 4% in tier
Net Interest Margin ? 2.18%
+14.5% YoY +1.8% QoQ
-1.48% 3.66%
+9.1% YoY
3.33%
+2.7% YoY
3.75%
+7.1% YoY
Bottom 3% in tier
Efficiency Ratio ? 91.35%
-12.3% YoY -1.2% QoQ
+28.72% 62.63%
-5.3% YoY
72.56%
-8.8% YoY
65.09%
-5.1% YoY
Bottom 3% in tier
Delinquency Rate ? 0.15%
+22.4% YoY +34.9% QoQ
-0.48% 0.63%
+18.3% YoY
0.49%
+30.0% YoY
0.66%
+20.3% YoY
77%
Loan-to-Deposit Ratio ? 90.66%
+3.3% YoY +1.7% QoQ
+7.60% 83.06%
+0.3% YoY
83.09%
+1.2% YoY
78.04%
+0.7% YoY
34%
Non-Interest-Bearing Deposit Share ? 3.77%
+8.8% YoY +177.4% QoQ
-17.28% 21.05%
-0.9% YoY
18.05%
-3.4% YoY
21.79%
-1.3% YoY
Bottom 3% in tier
Nonperforming Asset Ratio ? 0.10%
+27.5% YoY +37.0% QoQ
-0.40% 0.50%
+20.3% YoY
0.34%
+25.8% YoY
0.48%
+20.8% YoY
79%
Tier 1 Capital Ratio ? 0.00% -10.24% 10.24%
-0.6% YoY
11.31%
+19.0% YoY
9.75%
-1.9% YoY
29%
Non-Interest Income / Assets ? 0.28%
+20.1% YoY +35.2% QoQ
-0.46% 0.74%
-1.3% YoY
0.90%
+0.1% YoY
0.65%
+0.6% YoY
21%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth
#34 of 371 · Top 9% in Community

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.63%, National: 0.66%)
better than tier avg
371 of 371 Community banks match · 443 nationally
→ Stable +6 banks QoQ | QoQ rank declining

Concerns (8)

Credit Quality Pressure

risk
#72 of 808 · Bottom 9% in Community

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.63%, National: 0.66%)
better than tier avg
808 of 808 Community banks match · 961 nationally
→ Stable +22 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#109 of 642 · Bottom 17% in Community

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

642 of 642 Community banks match · 759 nationally
→ Stable +24 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#94 of 513 · Bottom 18% in Community

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.66%
(Tier: 83.06%, National: 78.04%)
worse than tier avg
513 of 513 Community banks match · 609 nationally
→ Stable -4 banks QoQ

Capital Thin

risk
#92 of 432 · Bottom 21% in Community

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Risk-Based Capital Ratio: 0.00%
(Tier: 10.24%, National: 9.75%)
worse than tier avg
432 of 432 Community banks match · 505 nationally
→ Stable +11 banks QoQ | QoQ rank declining

Return on Assets

metric
Bottom 4% in Community
Why this stands out
Current: 0.14%
(Tier avg: 1.16%, National avg: 1.12%)

Net Interest Margin

metric
Bottom 3% in Community
Why this stands out
Current: 2.18%
(Tier avg: 3.66%, National avg: 3.75%)

Efficiency Ratio

metric
Bottom 3% in Community
Why this stands out
Current: 91.35%
(Tier avg: 62.63%, National avg: 65.09%)

Non-Interest-Bearing Deposit Share

metric
Bottom 3% in Community
Why this stands out
Current: 3.77%
(Tier avg: 21.05%, National avg: 21.79%)

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%

Comparing against 1484 peers in Community tier

Top Strengths

79
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79th pctile
77
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
77th pctile
63
Total Assets
Current: $1.3B · Tier avg: $1.4B
63th pctile
62
Total Loans
Current: $865.8M · Tier avg: $975.5M
62th pctile
57
Total Deposits
Current: $955.0M · Tier avg: $1.2B
57th pctile
34
Loan-to-Deposit Ratio
Current: 90.66% · Tier avg: 83.06%
34th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
21
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
21th pctile
4
Return on Assets
Current: 0.14% · Tier avg: 1.16%
4th pctile
3
Efficiency Ratio
Current: 91.35% · Tier avg: 62.63%
3th pctile
3
Net Interest Margin
Current: 2.18% · Tier avg: 3.66%
3th pctile
3
Non-Interest-Bearing Deposit Share
Current: 3.77% · Tier avg: 21.05%
3th pctile

Top Weaknesses

3
Non-Interest-Bearing Deposit Share
Current: 3.77% · Tier avg: 21.05%
3th pctile
3
Net Interest Margin
Current: 2.18% · Tier avg: 3.66%
3th pctile
3
Efficiency Ratio
Current: 91.35% · Tier avg: 62.63%
3th pctile
4
Return on Assets
Current: 0.14% · Tier avg: 1.16%
4th pctile
21
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
21th pctile
29
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29th pctile
34
Loan-to-Deposit Ratio
Current: 90.66% · Tier avg: 83.06%
34th pctile
57
Total Deposits
Current: $955.0M · Tier avg: $1.2B
57th pctile
62
Total Loans
Current: $865.8M · Tier avg: $975.5M
62th pctile
63
Total Assets
Current: $1.3B · Tier avg: $1.4B
63th pctile
77
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
77th pctile
79
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79th pctile
Powered by BlastPoint © 2026