Black Mountain Savings Bank, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 2.75 percentage points lower than in Q1 2026, at 70.51%. On return on assets, Black Mountain Savings Bank, SSB is 2nd from the bottom among 38 North Carolina banks, -0.19% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Black Mountain Savings Bank, SSB reported -0.19% on return on assets in Q2 2026, 1.17 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.99% |
| Equity capital to assets | 11.89% |
| Tangible equity to tangible assets | 11.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.22% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.19% |
| Return on equity | -1.56% |
| Net interest margin | 2.09% |
| Efficiency ratio | 109.05% |
| Yield on earning assets | 4.46% |
| Cost of funds | 2.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.86% |
| Core deposits to total deposits | 70.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.71% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.99% | -0.21% | 2.20% | 0.00% | 0.00% |
| Q4 2023 | 11.74% | -0.26% | 2.25% | 0.00% | 0.00% |
| Q1 2024 | 11.53% | -0.50% | 1.80% | 0.00% | 0.00% |
| Q2 2024 | 11.57% | -0.42% | 1.78% | 0.00% | 0.00% |
| Q3 2024 | 11.69% | -0.51% | 1.87% | 0.00% | 0.00% |
| Q4 2024 | 11.94% | 0.07% | 1.96% | 0.00% | 0.00% |
| Q1 2025 | 12.06% | -0.33% | 1.96% | 0.00% | 0.00% |
| Q2 2025 | 11.86% | -0.34% | 1.97% | 0.00% | 0.00% |
| Q3 2025 | 11.99% | -0.52% | 2.00% | 0.00% | 0.00% |
| Q4 2025 | 12.22% | 0.63% | 1.90% | 0.00% | 0.00% |
| Q1 2026 | 12.05% | -0.23% | 1.82% | 0.00% | 0.00% |
| Q2 2026 | 11.99% | -0.19% | 2.09% | 0.00% | 0.00% |
Black Mountain Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Black Mountain Savings Bank, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Black Mountain Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27897) · FFIEC NIC profile (RSSD 444677)