Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

PIEDMONT FSB

FDIC #27619 · NC · period 20260630

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Total assets1,012,834-12.87% YoY

Total deposits764,322-5.08% YoY

Net loans and leases652,698-6.33% YoY

Return on assets0.14%-20.11% YoY

Return on equity0.61%-36.46% YoY

Net interest margin2.38%+10.86% YoY

Peer position

Return on assets4thopportunity · n=902

Return on equity3rdopportunity · n=894

Net interest margin4thopportunity · n=902

Equity to assets97thstrength · n=894

Noncurrent loans82ndstrength · n=887

Liquid assets57thin line · n=895

Brokered deposits47thin line · n=890

Loans to deposits32ndin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2022-03-31	1,012,834	764,322	652,698	0.14	0.61	2.38
2022-06-30	1,129,569	770,665	672,028	0.17	0.80	2.36
2022-09-30	1,142,675	790,480	679,162	0.20	1.00	2.37
2022-12-31	1,151,256	793,733	695,532	0.20	0.99	2.35
2023-03-31	1,162,476	805,205	696,786	0.17	0.96	2.14
2023-06-30	1,169,959	812,968	693,408	0.13	0.72	2.01
2023-09-30	1,165,535	813,354	692,885	0.15	0.84	1.98
2023-12-31	1,172,171	823,936	697,149	0.03	0.18	1.91
2024-03-31	1,310,466	926,750	769,422	-0.90	-5.28	1.86
2024-06-30	1,320,590	941,972	780,992	-0.41	-2.39	1.87
2024-09-30	1,288,372	937,700	798,390	-0.25	-1.41	1.89
2024-12-31	1,281,710	936,474	822,184	-0.16	-0.93	1.91
2025-03-31	1,277,019	942,006	819,972	0.12	0.67	2.02
2025-06-30	1,283,097	945,055	816,892	0.13	0.69	2.09
2025-09-30	1,286,357	950,185	846,714	0.12	0.66	2.15
2025-12-31	1,295,729	954,994	865,772	0.14	0.74	2.18
2026-03-31	1,307,724	957,373	885,265	0.16	0.88	2.36
2026-06-30	1,316,062	973,732	910,494	0.21	1.12	2.42

Structure and branch footprint

10 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2024-01-03	1	900379	864471

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.