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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