Morganton Savings Bank, S.S.B.
Morganton, NC · Cert 30434 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 1 branch
Q2 2026
$114.4MAssets
$68.2MLoans
$77.7MDeposits
$28.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on equity trails 90% of banks under $1B in assets (rank 568 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.29%
Rank 550 of 629
Net Interest Margin
3.22%
Rank 422 of 629
Efficiency Ratio
91.32%
Rank 558 of 629
Equity / Assets
24.70%
Rank 67 of 629
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 11% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.60% | 1.01% | 1.45% | Beats 13% | 550 / 629 | |
| Return on Equity | 1.17% | 5.38% | 9.30% | 13.28% | Beats 10% | 568 / 629 | |
| Net Interest Margin | 3.22% | 3.03% | 3.54% | 4.05% | Beats 33% | 422 / 629 | |
| Efficiency Ratio | 91.32% | 58.35% | 67.79% | 79.08% | Beats 11% | 558 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.46% | 1.20% | Beats 65% | 206 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 25.43% | 11.24% | 13.84% | 18.77% | Beats 84% | 103 / 629 | |
| Total Risk-Based Capital Ratio | 25.43% | 11.58% | 14.43% | 19.66% | Beats 83% | 106 / 629 | |
| Equity / Assets | 24.70% | 9.09% | 10.65% | 13.80% | Beats 89% | 67 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 87.77% | 67.24% | 80.90% | 93.48% | 64th pctl | 214 / 594 | |
| Loans / Assets | 59.57% | 53.31% | 67.71% | 78.15% | 33rd pctl | 421 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |