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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