NANTAHALA BANK & TRUST COMPANY

FRANKLIN, NC | Small | Est. Oct. 4, 2004, midnight | FDIC #57784 | RSSD #3285778 | FDIC
Latest Report: 2025-12-31

NANTAHALA BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in FRANKLIN, NC, established in Oct. 4, 2004, midnight. As of 2025-12-31, the bank reported total assets of $280M and total deposits of $253M. Profitability stands at 1.43% ROA and 15.97% ROE, with a net interest margin of 4.70%. The bank's CET1 capital ratio is 12.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 2.58%. FDIC Certificate #57784.

Assets

$280M

Deposits

$253M

Loans

$195M

Equity

$26M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 15.97%
Net Interest Margin (NIM) 4.70%
Yield on Assets 6.03%
Cost of Funds 1.35%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio -0.01%
Texas Ratio 2.58%
NPA Ratio 0.25%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 12.74%
Tier 1 Capital 13.29%
Total Capital Ratio 14.38%
Leverage Ratio 8.56%
Loan-to-Deposit 77.09%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required