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
Unfavorable gap of $5.1M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 58% | 313 / 746 | |
| Return on Equity | 6.85% | 6.74% | 10.51% | 13.63% | Beats 26% | 551 / 746 | |
| Net Interest Margin | 3.09% | 3.17% | 3.68% | 4.16% | Beats 21% | 587 / 746 | |
| Efficiency Ratio | 52.28% | 55.74% | 64.58% | 75.47% | Beats 82% | 138 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 211 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 38.92% | 11.55% | 13.75% | 17.60% | Beats 97% | 24 / 746 | |
| Total Risk-Based Capital Ratio | 40.17% | 11.71% | 14.33% | 18.43% | Beats 97% | 24 / 746 | |
| Equity / Assets | 17.06% | 8.90% | 10.51% | 13.06% | Beats 92% | 61 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 72.76% | 61.31% | 78.27% | 90.78% | 40th pctl | 450 / 746 | |
| Loans / Assets | 59.06% | 53.60% | 66.97% | 76.08% | 34th pctl | 492 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |