Black Mountain Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Black Mountain Savings Bank, SSB of Black Mountain, NC against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.19% | 3.33% | -3.52% | 13th bottom |
| ROAE | -1.56% | 8.30% | -9.86% | 12th bottom |
| Net Interest Margin | 2.09% | 3.93% | -1.84% | 3rd bottom |
| Efficiency Ratio | 109.05% | 84.43% | +24.62% | 10th bottom |
| PPNR / Avg Assets | -0.19% | 1.56% | -1.75% | 11th bottom |
| Yield on Earning Assets | 4.46% | 5.24% | -0.78% | 21st bottom |
| Cost of Funds | 2.61% | 1.67% | +0.94% | 13th bottom |
| Net Interest Spread | 1.86% | 3.30% | -1.44% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.22% | 1.53% | -1.31% | 0th bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.99% | 22.10% | -10.11% | 38th below |
| Equity / Assets | 11.89% | 20.74% | -8.85% | 45th below |
| TCE / Tangible Assets | 11.89% | 20.49% | -8.60% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.86% | 74.26% | +0.60% | 39th below |
| Core Deposit Ratio | 70.51% | 88.34% | -17.83% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.53% | 3.83% | -5.36% | 23rd bottom |
| Loan Growth (Y/Y) | 0.18% | 6.86% | -6.68% | 41st below |
| Deposit Growth (Y/Y) | 0.95% | 2.98% | -2.03% | 43rd below |
See Black Mountain Savings Bank, SSB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Black Mountain Savings Bank, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Black Mountain Savings Bank, SSB profile, how to read a UBPR, or how this data updates.