Piedmont Federal Savings Bank

Headquarters: Winston Salem, North Carolina
Charter: Bank
Assets: $1.3B
Fed district: Richmond
Regulator: OCC
Holding company: Piedmont Financial Holding Co

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 4, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: Piedmont Federal Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Piedmont Federal Savings Bank: $20
Piedmont Federal Savings Bank: $20
U.S. median: no median
NSF / Returned Item
Piedmont Federal Savings Bank: $20
Piedmont Federal Savings Bank: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Piedmont Federal Savings Bank: $25
Piedmont Federal Savings Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 24% from Q3 2025 to Q2 2026, to $146K.

Service-charge income, Q2 2026

$146K

$118KQ3 2025

$122KQ4 2025

$132KQ1 2026

$146KQ2 2026

Against the median

Piedmont Federal Savings BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$1.2B to $1.4B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Piedmont Federal Savings Bank does not publish a monthly maintenance fee in the index.

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.

Piedmont Federal Savings…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Piedmont Federal Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $146K
vs prior quarter: +$14K+10.6%; from Q1 2026
vs a year earlier: +$23K+18.7%; from Q2 2025
vs start of range: +$44K+43.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Piedmont Federal Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Piedmont Federal Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Statement Savings – Average Daily Balance less than $100.00$2
per month
Inactivity/Dormant Fee-Checking Accounts$5
per month
Inactivity/Dormant Fee-Savings and Money Market Accounts$3
per month
Research Fees and Statement Reconcilement$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Activity Fee (Over limit of 6)$10
per item
Undeliverable Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds (NSF) – Paid Check/ACH$20
per item
Non-Sufficient Funds (NSF) – Returned Check/ACH$20
per item
Non-Sufficient Funds Daily Cap$60
per day

ATM & Card

Lost Card Replacement$5
Not compared: Annual charge, not per item
per year

Wire Transfers

Wire – Domestic Outgoing$25
Wire – Domestic IncomingNo charge
Wire – International Outgoing$50
Wire – International Incoming$25

Check Services

Official Check – Customer$8
Stop Payment$10
Stop Payment Fee (ACH/Check/Bill Pay)$35
per item
Image CopyNo charge

Digital & Electronic

Expedited Fee – Bill Pay$14.95
Online Banking & Bill PayNo charge

Cash & Deposit

DBA – Returned Deposited Item$12
per item

Account Services

Drilling$200
Not compared: Box drilling or key fee
Key Replacement$50
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10$120
per year
Safe Deposit Box 3 X 10$50
per year
Safe Deposit Box 3 X 5$40
per year
Safe Deposit Box 5 X 10$80
per year
Legal Fees (Tax Levy)$100

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Statement Savings – Average Daily Balance less than $100.00	$2	per month	None
Inactivity/Dormant Fee-Checking Accounts	$5	per month	None
Inactivity/Dormant Fee-Savings and Money Market Accounts	$3	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)	$10	per item	None
Undeliverable Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient Funds (NSF) – Paid Check/ACH	$20	per item	None
Non-Sufficient Funds (NSF) – Returned Check/ACH	$20	per item	None
Non-Sufficient Funds Daily Cap	$60	per day	None
ATM & Card
Lost Card Replacement	$5Not compared: Annual charge, not per item	per year	None
Wire Transfers
Wire – Domestic Outgoing	$25	Not stated	None
Wire – Domestic Incoming	No charge	Not stated	None
Wire – International Outgoing	$50	Not stated	None
Wire – International Incoming	$25	Not stated	None
Check Services
Official Check – Customer	$8	Not stated	None
Stop Payment	$10	Not stated	None
Stop Payment Fee (ACH/Check/Bill Pay)	$35	per item	None
Image Copy	No charge	Not stated	None
Digital & Electronic
Expedited Fee – Bill Pay	$14.95	Not stated	None
Online Banking & Bill Pay	No charge	Not stated	None
Cash & Deposit
DBA – Returned Deposited Item	$12	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	$120	per year	None
Safe Deposit Box 3 X 10	$50	per year	None
Safe Deposit Box 3 X 5	$40	per year	None
Safe Deposit Box 5 X 10	$80	per year	None
Legal Fees (Tax Levy)	$100	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Statement Copy	$5	per item	None

Correct a fee source

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.

Branches and public record

Where Piedmont Federal Savings Bank operates, and what regulators and customers have on file.

Market position

In Winston-Salem, NC, Piedmont Federal Savings Bank holds 4.7% of bank deposits, #8 of 24, with 6 offices.

Compare fees with the 28 Winston-Salem, NC banks and credit unions in its home-metro peer set →

Offices in the metro

182 offices of 33 institutions shown.

Piedmont Federal Savings BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Winston-Salem, NC metro (FDIC metro code 49180), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Truist Bank27.5%
2Wells Fargo Bank, National Association18.0%
3First National Bank of Pennsylvania9.0%
4Pinnacle Bank8.3%
5First Horizon Bank7.2%
6First-Citizens Bank & Trust Company6.7%
7Bank of America, National Association6.2%
8Piedmont Federal Savings Bank4.7%

8 of 24 institutions shown. $15.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Winston-Salem, NC metro (FDIC metro code 49180)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

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.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Winston-Salem, NC metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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 4, 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

Get an email when Piedmont Federal Savings Bank's wire transfer changes in our data

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