First Savings and Loan Association
Mebane, NC · Cert 30358 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 1 branch
Q2 2026
$55.9MAssets
$35.0MLoans
$41.6MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 585 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.31%
Rank 543 of 629
Net Interest Margin
2.31%
Rank 585 of 629
Efficiency Ratio
88.53%
Rank 544 of 629
Equity / Assets
23.97%
Rank 69 of 629
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.60% | 1.01% | 1.45% | Beats 14% | 543 / 629 | |
| Return on Equity | 1.31% | 5.38% | 9.30% | 13.28% | Beats 10% | 566 / 629 | |
| Net Interest Margin | 2.31% | 3.03% | 3.54% | 4.05% | Beats 7% | 585 / 629 | |
| Efficiency Ratio | 88.53% | 58.35% | 67.79% | 79.08% | Beats 14% | 544 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.46% | 1.20% | Beats 62% | 219 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 55.57% | 11.24% | 13.84% | 18.77% | Beats 91% | 54 / 629 | |
| Total Risk-Based Capital Ratio | 56.30% | 11.58% | 14.43% | 19.66% | Beats 91% | 54 / 629 | |
| Equity / Assets | 23.97% | 9.09% | 10.65% | 13.80% | Beats 89% | 69 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.25% | 67.24% | 80.90% | 93.48% | 55th pctl | 268 / 594 | |
| Loans / Assets | 62.67% | 53.31% | 67.71% | 78.15% | 40th pctl | 379 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |