BanksFIRST SAVINGS AND LOAN ASSOCIATION

FIRST SAVINGS AND LOAN ASSOCIATION

MEBANE, NCMicroEst. Jan. 1, 1909, midnightFDIC #30358RSSD #141677OCC
Latest · 2025-12-31

FIRST SAVINGS AND LOAN ASSOCIATION is an 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%. CET1 capital ratio: 54.00%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 0.61%. Operates 1 domestic branch.

Assets
$56M
Deposits
$42M
Loans
$37M
Equity
$13M

Profitability

Return on Assets (ROA)0.26%
Return on Equity (ROE)1.08%
Net Interest Margin2.41%
Yield on Assets5.06%
Cost of Funds3.25%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.00%
Texas Ratio0.61%
NPA Ratio0.15%
ACL / Loans0.50%

Capital & Liquidity

CET1 Ratio54.00%
Tier 1 Capital54.00%
Total Capital Ratio54.75%
Leverage Ratio23.80%
Loan-to-Deposit89.25%

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