How Big Is Piedmont FSB?
Piedmont FSB holds $1.3B in total assets and $942M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 750th-largest of the 3,960 FDIC-insured banks we track — in the top 19% by size. Those figures come from Piedmont FSB's latest FDIC call report (cert #27619); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
This page answers a common banking-safety question: How Big Is Piedmont FSB?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Piedmont FSB Size at a Glance
- Total assets
- $1.3B
- Total deposits
- $942M
- Domestic deposits
- $942M
- Size class
- mid-size bank
- Rank by assets
- #750 of 3,960
- Headquarters
- Winston Salem, North Carolina
Source: FDIC Call Report data (cert #27619). Figures reflect the latest reported quarter.
With $1.3B in total assets, Piedmont FSB is a strong regional or community bank, with $1 billion to $10 billion in assets. Nationally, that makes it the 750th-largest of the 3,960 FDIC-insured banks we track, in the top 19% by size. The bank funds those assets largely with $942M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.63% | 100/100 |
| Nonperforming Loan Ratio | 0.05% | 99/100 |
| Liquidity Ratio | 33.89% | 100/100 |
| Return on Assets | -0.51% | 0/100 |
| Total Assets | $1.3B | |
How does Piedmont FSB compare?
With a Bank Health Score of 90/100, Piedmont FSB sits 10.0 points above the national average of 80/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, Piedmont FSB ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 18.63% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.05% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Piedmont FSB's Bank Health Score fell by 2.0 points to 90/100. Tier 1 capital weakened by 1.61 percentage points to 18.63%.
Frequently Asked Questions
Piedmont FSB holds $1.3B in total assets and $942M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 750th-largest of the 3,960 FDIC-insured banks we track — in the top 19% by size. Those figures come from Piedmont FSB's latest FDIC call report (cert #27619); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
Piedmont FSB ranks 750th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 19% by size. Its $1.3B in assets classify it as a mid-size bank.
Piedmont FSB reports $1.3B in total assets and $942M in total deposits ($942M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Piedmont FSB earns a Bank Health Score of 90/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $1.3B asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Piedmont FSB (FDIC certificate #27619) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Piedmont FSB
Piedmont FSB holds $1.3B in total assets and $942M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 750th-largest of the 3,960 FDIC-insured banks we track — in the top 19% by size. Those figures come from Piedmont FSB's latest FDIC call report (cert #27619); it is a strong regional or community bank, with $1 billion to $10 billion in assets.