Black Mountain Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Black Mountain Savings Bank, SSB is an FDIC-insured savings bank headquartered in Black Mountain, NC, established in 1923 (FDIC certificate 27897), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $43.0M, down 1.5% from Q2 2025, the 35th largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27897
- Headquarters
- Black Mountain, NC
- Established
- 1923
- Total assets, Q2 2026
- $43.0M
- Assets vs Q2 2025
- -1.5%
- Tier 1 leverage ratio, Q2 2026
- 11.99%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253170091
- Latest call report
- Q2 2026, FFIEC 051 · Black Mountain Savings Bank, SSB call report
- Asset rank in state
- 35th of 38 in North Carolina
Black Mountain Savings Bank, SSB spends more to run itself than most banks of its size. Based in Black Mountain, North Carolina, it had $43 million in assets at June 30, 2026, down 1.5% from a year earlier. It spends about 109 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also keeps 2.09 cents of net interest income on every dollar of earning assets, about half the median of 3.87 cents for banks its size.
It lost $20,000 in the quarter. Profitability lags: it is losing 1.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 8.6%).
As of June 30, 2026, Black Mountain Savings Bank, SSB reported a return on assets of -0.19%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, Black Mountain Savings Bank, SSB is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $43.0M, loans rose 3.4% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 97.3% of total loans, followed by construction and land development loans at 2.0%. Its one office in the FDIC Summary of Deposits is in Black Mountain, NC. Judged on its Q2 2026 call report, Black Mountain Savings Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E State St, Black Mountain, NC 28711
- County
- Buncombe
- Metro Area
- Asheville, NC
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 4, 1923
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $37.7M
- Allowance for credit losses
- $62K
- Net charge-offs (YTD)
- $0
- Average total assets
- $42.6M
- Average total loans
- $27.9M
- Average interest-bearing deposits
- $37.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27897
- Fed RSSD
- 444677
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Black Mountain Savings Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Black Mountain Savings Bank, SSB's total assets ran between $42.4M (Q3 2025) and $46.4M (Q4 2023), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$43.0M total assets against $43.7M; $37.9M total liabilities against $38.5M.
$28.2M net loans and leases against $28.1M; $37.7M total deposits against $37.4M.
$0 securities against $0; $13.5M cash and balances due against $14.1M.
$457K total interest income against $436K; $243K total interest expense against $228K.
$214K net interest income against $208K.
$7K total noninterest income against $8K; $241K total noninterest expense against $253K.
No provision recorded in the last 12 quarters.
-$20K net income against -$37K.
-0.19% return on assets against -0.34%; 2.09% net interest margin against 1.97%.
11.99% tier 1 leverage ratio against 11.86%.
Inside the full Black Mountain Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBlack Mountain Savings Bank, SSB rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.52% (Q3 2025) to 0.63% (Q4 2025) and its net interest margin ran from 1.82% (Q1 2026) to 2.09% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.99% | -0.19% | 0.00% | 0.00% | 2.09% |
| Q1 2026 | 12.05% | -0.23% | 0.00% | 0.00% | 1.82% |
| Q4 2025 | 12.22% | 0.63% | 0.00% | 0.00% | 1.90% |
| Q3 2025 | 11.99% | -0.52% | 0.00% | 1.07% | 2.00% |
| Q2 2025 | 11.86% | -0.34% | 0.00% | 0.83% | 1.97% |
| Q1 2025 | 12.06% | -0.33% | 0.00% | 0.00% | 1.96% |
| Q4 2024 | 11.94% | 0.07% | 0.00% | 0.00% | 1.96% |
| Q3 2024 | 11.69% | -0.51% | 0.00% | 0.00% | 1.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Black Mountain Savings Bank, SSB (main office) | Black Mountain , NC | 28711 | $37.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 73 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Black Mountain Savings Bank, SSB
What are Black Mountain Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Black Mountain Savings Bank, SSB reported total assets of $43.0 million in its FFIEC call report.
Where is Black Mountain Savings Bank, SSB headquartered?
It is headquartered in Black Mountain, NC, United States.
When was Black Mountain Savings Bank, SSB founded?
It was established in 1923, per the FDIC institution directory.
Is Black Mountain Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Black Mountain Savings Bank, SSB?
Black Mountain Savings Bank, SSB's primary federal regulator is the FDIC.
How many branches does Black Mountain Savings Bank, SSB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Black Mountain Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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