BanksMORGANTON SAVINGS BANK, S.S.B.

MORGANTON SAVINGS BANK, S.S.B.

MORGANTON, NCSmallEst. Jan. 1, 1903, midnightFDIC #30434RSSD #332671FDIC
Latest · 2025-12-31

MORGANTON SAVINGS BANK, S.S.B. is an 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%. CET1 capital ratio: 26.61%, well above regulatory minimums. NPL ratio: 0.25% · Texas Ratio: 0.53%. Operates 1 domestic branch.

Assets
$107M
Deposits
$70M
Loans
$66M
Equity
$29M

Profitability

Return on Assets (ROA)-0.44%
Return on Equity (ROE)-1.65%
Net Interest Margin3.56%
Yield on Assets4.59%
Cost of Funds1.34%

Asset Quality

NPL Ratio0.25%
Net Charge-Off Ratio0.00%
Texas Ratio0.53%
NPA Ratio0.15%
ACL / Loans3.60%

Capital & Liquidity

CET1 Ratio26.61%
Tier 1 Capital26.61%
Total Capital Ratio27.94%
Leverage Ratio26.94%
Loan-to-Deposit94.10%

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