This institution is no longer active

Operations ceased on January 11, 2025. CRA examination history below reflects the period it was active.

THE PIEDMONT BANK

PEACHTREE CORNERS, GA · Supervised by FDIC

Est. 2006FDIC #58,374RSSD: FDIC-58374

Part ofPIEDMONT BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: November 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.17%

Is this bank safe?

THE PIEDMONT BANK holds a Satisfactory CRA rating (2024), is financially strong (ROA +1.17%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

5100 Peachtree Pkwy, PEACHTREE CORNERS, GA

County

Gwinnett County

Established

November 6, 2006

Total Assets

$2.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$2.1B

Net Loans

$2.1B

Net Income

$25M

ROA

1.17%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.43%

Risk-Based Capital

11.13%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.17%Peer avg: 0.90%▲ Above avg

Risk-Based Capital11.13%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate6.36%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	110	83.64%	6.36%
2022	164	90.85%	7.32%
2021	126	85.71%	6.35%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2024	Satisfactory	Large Bank
Sep 2021	Satisfactory	Intermediate Small Bank
May 2018	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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