ROXBORO SAVINGS BANK, SSB

ROXBORO, NC | Small | Est. Jan. 1, 1923, midnight | FDIC #28471 | RSSD #472979 | FDIC
Latest Report: 2025-12-31

ROXBORO SAVINGS BANK, SSB is asn small FDIC-insured commercial bank headquartered in ROXBORO, NC, established in Jan. 1, 1923, midnight. As of 2025-12-31, the bank reported total assets of $350M and total deposits of $282M. Profitability stands at 1.15% ROA and 6.82% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 38.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.57%. FDIC Certificate #28471.

Assets

$350M

Deposits

$282M

Loans

$200M

Equity

$60M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 6.82%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.27%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio --
Texas Ratio 0.57%
NPA Ratio 0.10%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 38.91%
Tier 1 Capital 38.91%
Total Capital Ratio 40.16%
Leverage Ratio 18.92%
Loan-to-Deposit 71.15%

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