Piedmont FSB (FDIC #27619): Bank Stress & Real-Estate Credit Exposure

Piedmont FSB (FDIC Cert #27619): bank stress 57/100, moderate, STABLE over 7 days; parent PIEDMONT FINANCIAL HOLDING CO.

Piedmont FSB (#27619) lends in 5 counties across 1 state; Piedmont FSB (#27619) reaches 127 ZIP codes: North Carolina 5 counties, 127 ZIPs.

Piedmont FSB (#27619) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#27619), Guilford County, NC (35 branches, 35 ZIPs) (#27619), Wilkes County, NC (23 branches, 23 ZIPs) (#27619), Forsyth County, NC (132 branches, 22 ZIPs) (#27619), Watauga County, NC (10 branches, 10 ZIPs) (#27619).

Piedmont FSB (#27619) reports $1.32 billion in total assets; Piedmont FSB (#27619) equity $240.5 million (18.3% of Piedmont FSB (#27619) assets); Piedmont FSB (#27619) domestic deposits $973.7 million; Piedmont FSB (#27619) net income $1.3 million; Piedmont FSB (#27619) return on assets 0.21%; Piedmont FSB (#27619) return on equity 1.12%; Piedmont FSB (#27619) net interest income $14.4 million; Piedmont FSB (#27619) call report June 30, 2026.

Piedmont FSB (#27619) noncurrent real-estate loans: none reported; Piedmont FSB (#27619) net charge-offs on real estate 0.16%.

Piedmont FSB (#27619) net interest margin 2.42% against an eight-quarter Piedmont FSB (#27619) average of 2.13% (Piedmont FSB (#27619) compression -0.29 points); Piedmont FSB (#27619) rate-exposure score 40/100, Piedmont FSB (#27619) fixed-rate trap 40/100; Piedmont FSB (#27619) risk type credit driven; Piedmont FSB (#27619) rate regime rates elevated, Piedmont FSB (#27619) snapshot October 19, 2026.

Piedmont FSB (#27619) stress score moved from 56 on June 22, 2026 to 57.2 on October 19, 2026; Piedmont FSB (#27619) ranged 56 to 57.2 over 116 snapshots.

Piedmont FSB (#27619) alerts: 5 counties; top Piedmont FSB (#27619) alert scores: Boone County, NC 20 (low); High Point County, NC 20 (low); North Wilkesboro County, NC 20 (low); Wake Forest County, NC 20 (low); Winston Salem County, NC 20 (low).