BLACK MOUNTAIN SAVINGS BANK, SSB

BLACK MOUNTAIN, NC | Micro | Est. April 4, 1923, midnight | FDIC #27897 | RSSD #444677 | FDIC
Latest Report: 2025-12-31

BLACK MOUNTAIN SAVINGS BANK, SSB is amn micro FDIC-insured commercial bank headquartered in BLACK MOUNTAIN, NC, established in April 4, 1923, midnight. As of 2025-12-31, the bank reported total assets of $42M and total deposits of $37M. Profitability stands at 0.59% ROA and 4.84% ROE, with a net interest margin of 1.98%. The bank's CET1 capital ratio is 12.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #27897.

Assets

$42M

Deposits

$37M

Loans

$28M

Equity

$5M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 4.84%
Net Interest Margin (NIM) 1.98%
Yield on Assets 4.36%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.23%

Capital & Liquidity

CET1 Ratio 12.16%
Tier 1 Capital 12.16%
Total Capital Ratio 12.77%
Leverage Ratio 12.21%
Loan-to-Deposit 75.38%

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