Taylorsville Savings Bank, SSB
Taylorsville, NC · Cert 32348 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 3 branches
Q2 2026
$232.4MAssets
$180.6MLoans
$215.1MDeposits
$15.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 606 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.84%
Rank 396 of 629
Net Interest Margin
2.89%
Rank 506 of 629
Efficiency Ratio
62.62%
Rank 223 of 629
Equity / Assets
6.64%
Rank 606 of 629
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 65% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 1.01% | 1.45% | Beats 37% | 396 / 629 | |
| Return on Equity | 12.71% | 5.38% | 9.30% | 13.28% | Beats 71% | 182 / 629 | |
| Net Interest Margin | 2.89% | 3.03% | 3.54% | 4.05% | Beats 20% | 506 / 629 | |
| Efficiency Ratio | 62.62% | 58.35% | 67.79% | 79.08% | Beats 65% | 223 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.09% | 0.46% | 1.20% | Beats 53% | 272 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.95% | 11.24% | 13.84% | 18.77% | Beats 43% | 360 / 629 | |
| Total Risk-Based Capital Ratio | 13.99% | 11.58% | 14.43% | 19.66% | Beats 47% | 336 / 629 | |
| Equity / Assets | 6.64% | 9.09% | 10.65% | 13.80% | Beats 4% | 606 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 83.98% | 67.24% | 80.90% | 93.48% | 54th pctl | 271 / 594 | |
| Loans / Assets | 77.72% | 53.31% | 67.71% | 78.15% | 74th pctl | 165 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |