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Tarboro Savings Bank, SSB

Tarboro, NC · Cert 29061

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 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

2

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

Tarboro Savings Bank, SSB

Tarboro, NC · Cert 29061

SI · FDIC · 1 branch

Q2 2026

$54.1MAssets
$40.6MLoans
$47.8MDeposits
$6.2MEquity
Loan mix
100%RE $40.6M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $47.8M0%Noninterest $0.0MQ3 2024Q2 2026

Market Position · Rocky Mount, NC · 2026 SOD (annual) · 1.2% share · #9 of 12 inst. · $0.0B of $3.9B

Executive Summary

  • Earnings: ROA of -0.26%, up 47 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.66% of loans (+63 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.27%, up 5 bps from a year ago.
  • Funding: loans stand at 84.92% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.26%+47 bps YoY

Net Interest Margin (YTD, annualized)

1.80%+37 bps YoY

Efficiency Ratio (YTD, annualized)

112.61%-3,284 bps YoY

Tier 1 Leverage Ratio

11.27%+5 bps YoY

NIM

4.11%Q2 ’244.25%Q2 ’254.26%Q2 ’26-5%+26%

Non-interest income vs. expense

2.32%Q2 ’242.28%Q2 ’252.29%Q2 ’26-2%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.53%-0.76%-0.67%-0.73%-0.67%-0.64%-0.19%-0.26%+47 bps
Return on Equity-4.19%-6.02%-5.68%-6.24%-5.76%-5.56%-1.65%-2.26%+398 bps
Net Interest Margin1.47%1.44%1.40%1.42%1.46%1.51%1.77%1.80%+37 bps
Efficiency Ratio143.87%149.94%142.53%145.45%140.34%137.50%109.06%112.61%-3,284 bps
Non-Interest Burden2.18%2.24%2.06%2.14%2.11%2.14%1.96%2.05%-8 bps
Growth
Asset Growth (YoY)5.58%4.40%5.02%-0.17%4.14%0.57%-4.69%-4.18%-401 bps
Loan Growth (YoY)4.33%1.66%-0.69%-0.65%-1.83%0.87%0.26%0.20%+84 bps
Deposit Growth (YoY)4.92%6.15%6.80%0.80%5.82%3.57%-2.75%-2.28%-308 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.70%0.17%0.04%0.69%1.58%0.88%0.66%+63 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.40%0.40%0.41%0.41%0.41%0.40%0.41%0.41%0 bps
Allowance Coverage of NPLsn/a0.6x2.4x11.0x0.6x0.3x0.5x0.6x-10.4x
Capital
Tier 1 Leverage Ratio12.29%12.03%11.48%11.22%11.00%10.99%11.19%11.27%+5 bps
Total Risk-Based Capital12.29%12.03%11.48%11.22%11.00%10.99%11.19%11.27%+5 bps
Equity / Assets12.47%12.17%11.48%11.45%11.14%11.45%11.51%11.54%+8 bps
Liquidity & Funding
Loans / Deposits87.56%86.99%81.18%82.81%81.23%84.72%83.69%84.92%+210 bps
Liquid Assets / Assets13.70%13.94%18.79%17.46%18.51%13.95%14.79%13.64%-382 bps
CRE / Total Capitaln/an/an/an/a117.80%113.97%110.57%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

Tarboro Savings Bank, SSB

Tarboro, NC · Cert 29061 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 1 branch

Q2 2026

$54.1MAssets
$40.6MLoans
$47.8MDeposits
$6.2MEquity

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: efficiency ratio trails 98% of banks under $1B in assets operating in a single state (rank 732 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.26%

Rank 727 of 746

Net Interest Margin

1.80%

Rank 733 of 746

Efficiency Ratio

112.61%

Rank 732 of 746

Equity / Assets

11.54%

Rank 272 of 746

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 112.61%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.26%0.72%1.06%1.45%Beats 3%727 / 746
Return on Equity-2.28%6.74%10.51%13.63%Beats 3%727 / 746
Net Interest Margin1.80%3.17%3.68%4.16%Beats 2%733 / 746
Efficiency Ratio112.61%55.74%64.58%75.47%Beats 2%732 / 746
Asset Quality
Nonperforming Loans / Loans0.66%0.09%0.42%1.07%Beats 39%453 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.27%11.55%13.75%17.60%Beats 22%583 / 746
Total Risk-Based Capital Ratio11.27%11.71%14.33%18.43%Beats 21%592 / 746
Equity / Assets11.54%8.90%10.51%13.06%Beats 64%272 / 746
Liquidity & Funding
Loans / Deposits84.92%61.31%78.27%90.78%64th pctl265 / 746
Loans / Assets75.02%53.60%66.97%76.08%71st pctl214 / 746
Brokered Deposits / Depositsn/aNot reported for this institution