Another thing I didn't see mentioned here, but depending on your location and POCO's standard operating practices, there may be more than one transformer feeding the lines to your house.
Look at the wiring at the pole where your drop attaches. If there is a triplex or three wires leading off to other poles, then chances are you'll see more tx's hooked uo to that line (commonly called a lateral).
The idea is the diversity of loads on the multiple homes won't exceed the long-term capacity of all the tx's serving that lateral.
In some rural areas they will place a tx at each house.
A 100% overload short-term doesn't seem to harm most pole-mount transformers.
