FIRST SAVINGS AND LOAN ASSOCIATION

MEBANE, NC | Micro | Est. Jan. 1, 1909, midnight | FDIC #30358 | RSSD #141677 | OCC
Latest Report: 2025-12-31

FIRST SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in MEBANE, NC, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $56M and total deposits of $42M. Profitability stands at 0.26% ROA and 1.08% ROE, with a net interest margin of 2.41%. The bank's CET1 capital ratio is 54.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 0.61%. FDIC Certificate #30358.

Assets

$56M

Deposits

$42M

Loans

$37M

Equity

$13M

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 1.08%
Net Interest Margin (NIM) 2.41%
Yield on Assets 5.06%
Cost of Funds 3.30%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio --
Texas Ratio 0.61%
NPA Ratio 0.15%
ACL / Loans 0.50%

Capital & Liquidity

CET1 Ratio 54.00%
Tier 1 Capital 54.00%
Total Capital Ratio 54.75%
Leverage Ratio 23.80%
Loan-to-Deposit 89.25%

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