Nantahala Bank & Trust Company
Franklin, NC · Cert 57784 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 3 branches
Q2 2026
$288.8MAssets
$194.5MLoans
$260.4MDeposits
$27.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets (rank 87 of 629).
- Widest gap: equity / assets trails 67% of banks under $1B in assets (rank 423 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.45%
Rank 154 of 629
Net Interest Margin
4.36%
Rank 87 of 629
Efficiency Ratio
63.64%
Rank 240 of 629
Equity / Assets
9.53%
Rank 423 of 629
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 62% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.60% | 1.01% | 1.45% | Beats 76% | 154 / 629 | |
| Return on Equity | 15.25% | 5.38% | 9.30% | 13.28% | Beats 84% | 98 / 629 | |
| Net Interest Margin | 4.36% | 3.03% | 3.54% | 4.05% | Beats 86% | 87 / 629 | |
| Efficiency Ratio | 63.64% | 58.35% | 67.79% | 79.08% | Beats 62% | 240 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.09% | 0.46% | 1.20% | Beats 56% | 254 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 50% | 292 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.93% | 11.24% | 13.84% | 18.77% | Beats 59% | 258 / 629 | |
| Total Risk-Based Capital Ratio | 16.00% | 11.58% | 14.43% | 19.66% | Beats 61% | 245 / 629 | |
| Equity / Assets | 9.53% | 9.09% | 10.65% | 13.80% | Beats 33% | 423 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 74.71% | 67.24% | 80.90% | 93.48% | 38th pctl | 366 / 594 | |
| Loans / Assets | 67.37% | 53.31% | 67.71% | 78.15% | 49th pctl | 322 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |