PackageTrendsPeer
Letter portraitLegal landscape

Roxboro Savings Bank, SSB

Roxboro, NC · Cert 28471

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

82

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

Roxboro Savings Bank, SSB

Roxboro, NC · Cert 28471

SI · FDIC · 2 branches

Q2 2026

$360.7MAssets
$213.0MLoans
$292.8MDeposits
$61.5MEquity
Loan mix
99%RE $201.7M1%C&I $2.1M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $243.6M17%Noninterest $49.2MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.44%Q2 ’254.71%Q2 ’26+1%+10%

Non-interest income vs. expense

1.85%Q2 ’242.08%Q2 ’251.83%Q2 ’26+16%-19%

Market Position · Durham-Chapel Hill, NC · 2026 SOD (annual) · 1.6% share · #13 of 18 inst. · $0.3B of $18.6B

Executive Summary

  • Earnings: ROA of 1.18%, up 39 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.13% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.97%, up 37 bps from a year ago.
  • Funding: loans stand at 72.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+28 bps YoY

Efficiency Ratio (YTD, annualized)

52.28%-1,404 bps YoY

Tier 1 Leverage Ratio

18.97%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.86%0.93%0.92%1.18%+39 bps
Return on Equity4.93%5.28%5.69%5.41%6.97%+204 bps
Net Interest Margin2.82%2.95%2.91%3.04%3.09%+28 bps
Efficiency Ratio66.32%65.08%63.11%59.68%52.28%-1,404 bps
Non-Interest Burden1.76%1.80%1.72%1.66%1.42%-34 bps
Growth
Asset Growth (YoY)2.80%6.97%6.75%7.08%6.95%+415 bps
Loan Growth (YoY)10.88%13.60%13.98%12.05%14.85%+397 bps
Deposit Growth (YoY)3.60%7.85%6.76%6.48%6.18%+259 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.25%0.18%0.15%0.13%-15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.25%1.21%1.25%1.24%+2 bps
Allowance Coverage of NPLs4.3x5.1x6.9x8.6x9.2x+5.0x
Capital
Tier 1 Leverage Ratio18.60%19.33%18.92%19.03%18.97%+37 bps
Total Risk-Based Capital41.23%40.65%40.16%39.94%40.17%-106 bps
Equity / Assets16.15%16.61%17.03%16.86%17.06%+91 bps
Liquidity & Funding
Loans / Deposits67.27%68.46%71.15%70.31%72.76%+549 bps
Liquid Assets / Assets4.67%3.92%2.97%4.54%3.18%-150 bps
CRE / Total Capitaln/a69.51%70.61%70.86%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

Roxboro Savings Bank, SSB

Roxboro, NC · Cert 28471 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 2 branches

Q2 2026

$360.7MAssets
$213.0MLoans
$292.8MDeposits
$61.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 79% of banks under $1B in assets operating in a single state (rank 587 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.17%

Rank 313 of 746

Net Interest Margin

3.09%

Rank 587 of 746

Efficiency Ratio

52.28%

Rank 138 of 746

Equity / Assets

17.06%

Rank 61 of 746

Non-interest income vs. expense

$1.5M$6.6MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state
Bank 52.28%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.72%1.06%1.45%Beats 58%313 / 746
Return on Equity6.85%6.74%10.51%13.63%Beats 26%551 / 746
Net Interest Margin3.09%3.17%3.68%4.16%Beats 21%587 / 746
Efficiency Ratio52.28%55.74%64.58%75.47%Beats 82%138 / 746
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.42%1.07%Beats 72%211 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio38.92%11.55%13.75%17.60%Beats 97%24 / 746
Total Risk-Based Capital Ratio40.17%11.71%14.33%18.43%Beats 97%24 / 746
Equity / Assets17.06%8.90%10.51%13.06%Beats 92%61 / 746
Liquidity & Funding
Loans / Deposits72.76%61.31%78.27%90.78%40th pctl450 / 746
Loans / Assets59.06%53.60%66.97%76.08%34th pctl492 / 746
Brokered Deposits / Depositsn/aNot reported for this institution