Piedmont Federal Savings Bank
Winston Salem, NC
IDRSSD: 864471
Total Assets
$1.29B
Latest filing
Total Deposits
$950.18M
Latest filing
Net Interest Margin
2.25%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Piedmont Federal Savings Bank
201 S Stratford Rd
Winston Salem, NC 27103
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1903FDIC Certificate 40453
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Piedmont Federal Savings Bank (Main) | 201 S Stratford Rd | Winston Salem, NC |
| KERNERSVILLE BRANCH | 505 Pineview Dr | Kernersville, NC |
| HANES MILL BRANCH | 5189 Northern Quarters Dr | Winston Salem, NC |
| SOUTHPARK BRANCH | 1040 Southpark Blvd | Winston Salem, NC |
| DOWNTOWN BRANCH | 633 N Liberty St | Winston Salem, NC |
| PEACE HAVEN BRANCH | 2095 N Peace Haven Rd | Winston Salem, NC |
| BOONE BRANCH | 1399 Blowing Rock Rd | Boone, NC |
| NORTH WILKESBORO AVENUE BRANCH | 200 Wilkesboro Ave | North Wilkesboro, NC |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | OCC |
| Established Date | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 27103 |
| State and County Number | 37067 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 37 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Winston-Salem, NC |
Operational Info
| Number of Employees | 121 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.piedmontfederal.com |
| Data Updated | 11/14/2025 |
| CERT | 27619 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.29B |
| Total Deposits | $950.18M |
| Total Liabilities | $1.05B |
| Total Equity Capital | $237.06M |
| Net Income | $352.00k |
| Net Loans and Leases | $846.71M |
| Assets Per Employee ($Millions) | $10.72M |
| Bank Premises and Fixed Assets | $18.23M |
| Cash and Balances due from Depository Institutions | $64.03M |
| Deposits Held in Domestic Offices | $950.18M |
Key Performance Ratios
| Return on Assets (ROA) | 0.11% |
| Return on Equity (ROE) | 0.6% |
| Net Interest Margin | 2.25% |
| Efficiency Ratio | 91.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.429% |
| Earning Assets to total Assets | 91.34% |
Income and Expense
| Total Interest Income | $13.20M |
| Total Noninterest Income | $895.00k |
| Total Interest Expense | $6.60M |
| Total Noninterest Expense | $6.96M |
| Net Interest Income | $6.60M |
| Pre-tax Net Operating Income | $389.00k |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $95.19M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.92M |
| Total Liabilities and Capital | $1.29B |
Securities
| Securities | $268.22M |
| Available-for-sale debt securities | $248.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $19.45M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Piedmont Federal Savings Bank?
$1.29B as of the latest filing.
How much are Piedmont Federal Savings Bank's total deposits?
$950.18M in total deposits.
Where is Piedmont Federal Savings Bank located?
Winston Salem, NC.
What is the Net Interest Margin?
2.25%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
0.11%.
How much are total loans and leases?
$846.71M (latest filing).
What is the total interest income (latest filing)?
$13.20M.