Nantahala Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Nantahala Bank & Trust Company earns an unusually wide margin on its lending. Its balance sheet stood at $289 million at June 30, 2026, up 7.7% from a year earlier; it is based in Franklin, North Carolina. It keeps 4.74 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.24% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.2 million, 42% above the same quarter a year earlier. Over the same year, loans grew 1.8% and deposits grew 6.7%. Where it has less room is capital: it funds 9.43% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Nantahala Bank & Trust Company reported a CET1 capital ratio of 14.38%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.09%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 120 Siler Rd, Franklin, NC 28734
- County
- Macon
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 2004
- Offices
- 3 domestic
- Employees (FTE)
- 55
- Domestic deposits
- $260.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $287.5M
- Average total loans
- $196.1M
- Average interest-bearing deposits
- $175.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 2004
- FDIC Cert
- 57784
- Fed RSSD
- 3285778
- Website
- www.nantahalabank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 1.64% | 0.32% | 2.09% | 4.74% |
| Q1 2026 | 13.41% | 1.31% | 0.37% | 2.55% | 4.54% |
| Q4 2025 | 12.74% | 1.40% | 0.36% | 2.58% | 4.49% |
| Q3 2025 | 12.32% | 1.33% | 0.37% | 2.71% | 4.44% |
| Q2 2025 | 11.89% | 1.25% | 0.40% | 3.00% | 4.23% |
| Q1 2025 | 11.46% | 1.00% | 0.42% | 3.56% | 4.03% |
| Q4 2024 | 10.86% | 1.01% | 0.26% | 3.61% | 3.83% |
| Q3 2024 | 10.24% | 0.62% | 0.27% | 3.96% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nantahala Bank & Trust Company (main office) | Franklin , NC | 28734 | $149.7M |
| Hayesville Branch | Hayesville , NC | 28904 | $63.7M |
| Murphy Branch | Murphy , NC | 28906 | $46.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2011 | M&A | Acquired Nantahala Bancshares, Inc. merger for the acquired bank | SEC |
| April 1, 2011 | Structure Change | Acquired Nantahala Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Nantahala Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NC, rank 49 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Nantahala Bank & Trust Company
What are Nantahala Bank & Trust Company's total assets?
As of the Q2 2026 filing, Nantahala Bank & Trust Company reported total assets of $288.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Nantahala Bank & Trust Company headquartered?
Nantahala Bank & Trust Company is headquartered in Franklin, NC, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Nantahala Bank & Trust Company founded?
Nantahala Bank & Trust Company was established in 2004, per the FDIC institution directory.
Is Nantahala Bank & Trust Company FDIC-insured?
Yes. Nantahala Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #57784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nantahala Bank & Trust Company?
Nantahala Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Nantahala Bank & Trust Company's CET1 capital ratio?
Nantahala Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Nantahala Bank & Trust Company operate?
Nantahala Bank & Trust Company operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nantahala Bank & Trust Company's Texas Ratio?
Nantahala Bank & Trust Company's Texas Ratio is 2.09% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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