Tarboro Savings Bank, SSB
Tarboro, NC · Cert 29061 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 182 of 748).
- Widest gap: efficiency ratio trails 98% of banks under $1B in assets operating in a single state (rank 736 of 752).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.26%
Rank 732 of 752
Net Interest Margin
1.80%
Rank 739 of 752
Efficiency Ratio
112.61%
Rank 736 of 752
Equity / Assets
11.54%
Rank 283 of 752
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 2% 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 | -0.26% | 0.72% | 1.07% | 1.45% | Beats 3% | 732 / 752 | |
| Return on Equity | -2.28% | 6.78% | 10.58% | 13.65% | Beats 3% | 731 / 752 | |
| Net Interest Margin | 1.80% | 3.18% | 3.69% | 4.17% | Beats 2% | 739 / 752 | |
| Efficiency Ratio | 112.61% | 55.75% | 64.49% | 75.47% | Beats 2% | 736 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.09% | 0.42% | 1.03% | Beats 39% | 458 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 11.27% | 11.55% | 13.75% | 17.60% | Beats 22% | 587 / 752 | |
| Total Risk-Based Capital Ratio | 11.27% | 11.70% | 14.33% | 18.47% | Beats 21% | 597 / 752 | |
| Equity / Assets | 11.54% | 8.93% | 10.56% | 13.13% | Beats 62% | 283 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 84.92% | 62.23% | 78.64% | 91.26% | 63rd pctl | 275 / 752 | |
| Loans / Assets | 75.02% | 54.61% | 67.41% | 76.47% | 70th pctl | 222 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |