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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 $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $37.7M0%Noninterest $0.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.48%-0.34%-0.32%-0.33%-0.39%-0.14%-0.23%-0.21%+12 bps
Return on Equity-4.11%-2.94%-2.69%-2.78%-3.28%-1.18%-1.87%-1.71%+106 bps
Net Interest Margin1.79%1.84%1.92%1.91%1.94%1.92%1.77%1.89%-2 bps
Efficiency Ratio126.29%124.05%116.36%116.74%119.81%107.61%112.24%110.55%-619 bps
Non-Interest Burden2.27%2.31%2.24%2.24%2.34%2.10%1.99%2.09%-15 bps
Growth
Asset Growth (YoY)-1.65%-5.48%-5.89%-3.09%-4.18%-3.28%-1.35%-1.53%+156 bps
Loan Growth (YoY)-3.60%-4.90%-6.51%-5.46%-6.34%-3.81%-3.88%0.18%+564 bps
Deposit Growth (YoY)-1.56%-6.43%-8.01%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.21%0.22%0.22%0.22%0.22%0.23%0.23%0.22%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.69%11.94%12.06%11.86%11.99%12.22%12.05%11.99%+13 bps
Total Risk-Based Capital11.69%11.94%12.06%11.86%11.99%12.22%12.05%11.99%+13 bps
Equity / Assets11.78%11.91%11.96%11.78%12.01%12.17%12.01%11.89%+10 bps
Liquidity & Funding
Loans / Deposits76.99%76.01%77.13%75.44%76.54%75.38%73.47%74.86%-58 bps
Liquid Assets / Assets29.79%31.39%28.95%31.68%30.89%31.51%32.89%30.34%-133 bps
CRE / Total Capitaln/an/an/an/a19.49%19.09%12.61%n/an/a