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Black Mountain Savings Bank, SSB

Black Mountain, NC · Cert 27897

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Black Mountain Savings Bank, SSB

Black Mountain, NC · Cert 27897

SI · FDIC · 1 branch

Q2 2026

$43.0MAssets
$28.2MLoans
$37.7MDeposits
$5.1MEquity
Loan mix
100%RE $27.2M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $37.7M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.02%Q2 ’254.13%Q2 ’26+10%-1%

Non-interest income vs. expense

2.27%Q2 ’242.31%Q2 ’252.16%Q2 ’26+2%-7%

Market Position · Asheville, NC · 2026 SOD (annual) · 0.4% share · #16 of 24 inst. · $0.0B of $10.3B

Executive Summary

  • Earnings: ROA of -0.21%, up 12 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.99%, up 13 bps from a year ago.
  • Funding: loans stand at 74.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.21%+12 bps YoY

Net Interest Margin (YTD, annualized)

1.89%-2 bps YoY

Efficiency Ratio (YTD, annualized)

110.55%-619 bps YoY

Tier 1 Leverage Ratio

11.99%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.33%-0.39%-0.14%-0.23%-0.21%+12 bps
Return on Equity-2.78%-3.28%-1.18%-1.87%-1.71%+106 bps
Net Interest Margin1.91%1.94%1.92%1.77%1.89%-2 bps
Efficiency Ratio116.74%119.81%107.61%112.24%110.55%-619 bps
Non-Interest Burden2.24%2.34%2.10%1.99%2.09%-15 bps
Growth
Asset Growth (YoY)-3.09%-4.18%-3.28%-1.35%-1.53%+156 bps
Loan Growth (YoY)-5.46%-6.34%-3.81%-3.88%0.18%+564 bps
Deposit Growth (YoY)-4.60%-5.80%-3.01%0.91%0.95%+555 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.22%0.22%0.23%0.23%0.22%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.86%11.99%12.22%12.05%11.99%+13 bps
Total Risk-Based Capital11.86%11.99%12.22%12.05%11.99%+13 bps
Equity / Assets11.78%12.01%12.17%12.01%11.89%+10 bps
Liquidity & Funding
Loans / Deposits75.44%76.54%75.38%73.47%74.86%-58 bps
Liquid Assets / Assets31.68%30.89%31.51%32.89%30.34%-133 bps
CRE / Total Capitaln/a19.49%19.09%12.61%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Black Mountain Savings Bank, SSB

Black Mountain, NC · Cert 27897 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 1 branch

Q2 2026

$43.0MAssets
$28.2MLoans
$37.7MDeposits
$5.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets (rank 609 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.20%

Rank 582 of 629

Net Interest Margin

1.89%

Rank 609 of 629

Efficiency Ratio

110.55%

Rank 594 of 629

Equity / Assets

11.89%

Rank 236 of 629

Non-interest income vs. expense

$30K$922KINCOMEEXPENSE
Unfavorable gap of $892K · efficiency ratio beats 6% of banks under $1B in assets
Bank 110.55%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.20%0.60%1.01%1.45%Beats 7%582 / 629
Return on Equity-1.72%5.38%9.30%13.28%Beats 7%583 / 629
Net Interest Margin1.89%3.03%3.54%4.05%Beats 3%609 / 629
Efficiency Ratio110.55%58.35%67.79%79.08%Beats 6%594 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.99%11.24%13.84%18.77%Beats 33%419 / 629
Total Risk-Based Capital Ratio11.99%11.58%14.43%19.66%Beats 29%449 / 629
Equity / Assets11.89%9.09%10.65%13.80%Beats 62%236 / 629
Liquidity & Funding
Loans / Deposits74.86%67.24%80.90%93.48%39th pctl363 / 594
Loans / Assets65.66%53.31%67.71%78.15%45th pctl344 / 629
Brokered Deposits / Depositsn/aNot reported for this institution