MORGANTON SAVINGS BANK, S.S.B.

MORGANTON, NC | Small | Est. Jan. 1, 1903, midnight | FDIC #30434 | RSSD #332671 | FDIC
Latest Report: 2025-12-31

MORGANTON SAVINGS BANK, S.S.B. is asn small FDIC-insured commercial bank headquartered in MORGANTON, NC, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $107M and total deposits of $70M. Profitability stands at -0.44% ROA and -1.65% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 26.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.53%. FDIC Certificate #30434.

Assets

$107M

Deposits

$70M

Loans

$66M

Equity

$29M

Profitability

Return on Assets (ROA) -0.44%
Return on Equity (ROE) -1.65%
Net Interest Margin (NIM) 3.56%
Yield on Assets 4.59%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.53%
NPA Ratio 0.15%
ACL / Loans 3.60%

Capital & Liquidity

CET1 Ratio 26.61%
Tier 1 Capital 26.61%
Total Capital Ratio 27.94%
Leverage Ratio 26.94%
Loan-to-Deposit 94.10%

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