PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Taylorsville Savings Bank, SSB

Taylorsville, NC · Cert 32348

SI · FDIC · 3 branches

Q2 2026

$232.4MAssets
$180.6MLoans
$215.1MDeposits
$15.4MEquity
Loan mix
98%RE $170.7M2%C&I $2.7M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $201.2M6%Noninterest $13.9MQ2 2025Q2 2026

NIM

4.78%Q2 ’244.89%Q2 ’255.16%Q2 ’26-8%+11%

Non-interest income vs. expense

2.66%Q2 ’242.14%Q2 ’252.01%Q2 ’26-22%-7%

Market Position · Hickory-Lenoir-Morganton, NC · 2026 SOD (annual) · 3.2% share · #7 of 15 inst. · $0.2B of $6.8B

Executive Summary

  • Earnings: ROA of 0.90%, up 32 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.40% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.08%, up 10 bps from a year ago.
  • Funding: loans stand at 83.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%+32 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+29 bps YoY

Efficiency Ratio (quarter, annualized)

62.22%-973 bps YoY

Tier 1 Leverage Ratio

8.08%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.67%0.37%0.86%0.90%+32 bps
Return on Equity9.14%10.60%5.67%12.79%13.52%+438 bps
Net Interest Margin2.69%2.81%2.90%2.85%2.99%+29 bps
Efficiency Ratio71.95%65.38%81.91%63.06%62.22%-973 bps
Non-Interest Burden1.88%1.78%2.34%1.73%1.75%-13 bps
Growth
Asset Growth (YoY)24.08%22.07%18.56%13.64%13.10%-1,098 bps
Loan Growth (YoY)14.17%13.24%13.97%14.77%15.79%+162 bps
Deposit Growth (YoY)25.08%22.93%18.96%13.74%12.97%-1,211 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.53%0.60%0.46%0.40%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.88%0.88%0.84%0.82%-5 bps
Allowance Coverage of NPLs1.8x1.6x1.5x1.8x2.1x+0.3x
Capital
Tier 1 Leverage Ratio7.97%8.01%8.07%8.00%8.08%+10 bps
Total Risk-Based Capital14.31%14.68%14.68%14.37%13.99%-31 bps
Equity / Assets6.29%6.38%6.69%6.68%6.64%+36 bps
Liquidity & Funding
Loans / Deposits81.93%81.95%83.12%84.58%83.98%+205 bps
Liquid Assets / Assets4.94%8.21%7.13%5.65%5.90%+96 bps
CRE / Total Capitaln/a156.82%159.07%177.73%n/an/a