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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