Compared with North Carolina
7 of 18
compared fees are above the median.
8 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
39th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Carolina median
of 18 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Piedmont Federal Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Piedmont Federal Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.7% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (39th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $146K in Q2 2026, 19% above the same quarter a year earlier ($123K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 18 compared published fees sit above the North Carolina median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Carolina medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 24% from Q3 2025 to Q2 2026, to $146K. Its share of revenue, 1.7%, is below the 2.2% median for banks with $1B to $10B in assets.
$146K
Piedmont Federal Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Piedmont Federal Savings Bank · $1.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Piedmont Federal Savings Bank(this institution) | Winston Salem, NC | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adams Bank & Trust | Ogallala, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central National Bank | Junction City, KS | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Bank | Santa Fe, NM | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Carolina National Bank | Myrtle Beach, SC | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Financial Services Bank | Benton, KY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| County National Bank | Hillsdale, MI | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First American Bank and Trust | Vacherie, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of Alabama | Talladega, AL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Harrison Bank | Corydon, IN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Eastpointe, MI | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fm Bank And Trust | Blytheville, AR | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| InBank | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independence Bank | Havre, MT | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy National Bank | Springdale, AR | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Liberty National Bank | Lawton, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Martha's Vineyard Bank | Edgartown, MA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Community Bank | Winsted, CT | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank - Wyoming | Cody, WY | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Plains Commerce Bank | Sioux Falls, SD | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Platte Valley Bank | Scottsbluff, NE | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sabine State Bank and Trust Company | Many, LA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Security Bank | Dallas, TX | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 18 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Piedmont Federal Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Piedmont Federal Savings Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $146K | +$14K | +10.6% |
| Q1 2026 | $132K | +$10K | +8.2% |
| Q4 2025 | $122K | +$4K | +3.4% |
| Q3 2025 | $118K | −$5K | −4.1% |
| Q2 2025 | $123K | +$12K | +10.8% |
| Q1 2025 | $111K | +$18K | +19.4% |
| Q4 2024 | $93K | −$9K | −8.8% |
| Q3 2024 | $102K | −$60K | −37.0% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Piedmont Federal Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Piedmont Federal Savings Bank by share.
Amounts from Piedmont Federal Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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per month
per hour
per item
per item
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per item
per day
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Statement Savings – Average Daily Balance less than $100.00 | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity/Dormant Fee-Checking Accounts | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity/Dormant Fee-Savings and Money Market Accounts | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fees and Statement Reconcilement | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Activity Fee (Over limit of 6) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Undeliverable Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) – Paid Check/ACH | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) – Returned Check/ACH | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds Daily Cap | $60Below the U.S. middle 50% ($100 to $163.75 nationally) | per day | None |
ATM & Card | |||
| Lost Card Replacement | $5Not compared: Annual charge, not per item | per year | None |
Wire Transfers | |||
| Wire – Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire – Domestic Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire – International Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire – International Incoming | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check – Customer | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee (ACH/Check/Bill Pay) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Image Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Expedited Fee – Bill Pay | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Online Banking & Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| DBA – Returned Deposited Item | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 X 10 | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Fees (Tax Levy) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Piedmont Federal Savings Bank operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state, $973.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $736.1M | |
| 1 | $110.4M | |
| Outside a metro area | 2 | $99.0M |
| 1 | $28.1M |
Winston-Salem, NC
4.7% of bank deposits, #8 of 24, up 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 27.5% |
| Wells Fargo Bank, National Association | 18% |
| First National Bank of Pennsylvania | 9% |
| Pinnacle Bank | 8.3% |
| First Horizon Bank | 7.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Winston-Salem, NC, Piedmont Federal Savings Bank holds 4.7% of bank deposits, #8 of 24, with 6 offices.
182 offices of 33 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 24 institutions shown. $15.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.7% share, 6 offices, #8 of 24
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
54 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.