First Savings and Loan Association
Mebane, NC · Cert 30358 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 operating in a single state (rank 182 of 748).
- Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 717 of 752).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.31%
Rank 673 of 752
Net Interest Margin
2.31%
Rank 717 of 752
Efficiency Ratio
88.53%
Rank 686 of 752
Equity / Assets
23.97%
Rank 23 of 752
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.72% | 1.07% | 1.45% | Beats 11% | 673 / 752 | | |
| Return on Equity | 1.31% | 6.78% | 10.58% | 13.65% | Beats 6% | 707 / 752 | | |
| Net Interest Margin | 2.31% | 3.18% | 3.69% | 4.17% | Beats 5% | 717 / 752 | | |
| Efficiency Ratio | 88.53% | 55.75% | 64.49% | 75.47% | Beats 9% | 686 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.42% | 1.03% | Beats 63% | 275 / 748 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 55.57% | 11.55% | 13.75% | 17.60% | Beats 98% | 13 / 752 | | |
| Total Risk-Based Capital Ratio | 56.30% | 11.70% | 14.33% | 18.47% | Beats 98% | 13 / 752 | | |
| Equity / Assets | 23.97% | 8.93% | 10.56% | 13.13% | Beats 97% | 23 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.25% | 62.23% | 78.64% | 91.26% | 62nd pctl | 285 / 752 | | |
| Loans / Assets | 62.67% | 54.61% | 67.41% | 76.47% | 39th pctl | 455 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |