BanksBLACK MOUNTAIN SAVINGS BANK, SSB

BLACK MOUNTAIN SAVINGS BANK, SSB

BLACK MOUNTAIN, NCMicroEst. April 4, 1923, midnightFDIC #27897RSSD #444677FDIC
Latest · 2025-12-31

BLACK MOUNTAIN SAVINGS BANK, SSB is an 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%. CET1 capital ratio: 12.16%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$42M
Deposits
$37M
Loans
$28M
Equity
$5M

Profitability

Return on Assets (ROA)0.59%
Return on Equity (ROE)4.84%
Net Interest Margin1.98%
Yield on Assets4.36%
Cost of Funds2.55%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.23%

Capital & Liquidity

CET1 Ratio12.16%
Tier 1 Capital12.16%
Total Capital Ratio12.77%
Leverage Ratio12.21%
Loan-to-Deposit75.38%

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