Morganton Savings Bank, S.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Morganton Savings Bank, S.S.B. is an FDIC-insured savings bank headquartered in Morganton, NC, established in 1903 (FDIC certificate 30434), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $114.4M, up 6.2% from Q2 2025, the 31st largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.43% 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
- 30434
- Headquarters
- Morganton, NC
- Established
- 1903
- Total assets, Q2 2026
- $114.4M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 25.43%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253171003
- Latest call report
- Q2 2026, FFIEC 051 · Morganton Savings Bank, S.S.B. call report
- Asset rank in state
- 31st of 38 in North Carolina
Morganton Savings Bank, S.S.B., based in Morganton, North Carolina, reported $114 million in assets at June 30, 2026, up 6.2% from a year earlier. It returns 1.9% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Deposits are coming in faster than loans: over the year loans rose 2.3% and deposits rose 9.0%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.21% of loans from 0.37%.
As of June 30, 2026, Morganton Savings Bank, S.S.B. reported a return on assets of 0.47%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
Morganton Savings Bank, S.S.B. ranks as the 31st largest of the 38 banks based in North Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.2% to $114.4M, loans rose 2.7% and deposits rose 7.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 65.1% of total loans, followed by owner-occupied commercial real estate loans at 12.5%. Its one office in the FDIC Summary of Deposits is in Morganton, NC. By the capital ratios in its Q2 2026 call report, Morganton Savings Bank, S.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S King St, Morganton, NC 28655
- County
- Burke
- Metro Area
- Hickory-Lenoir-Morganton, 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
- January 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $77.7M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $112.0M
- Average total loans
- $67.4M
- Average interest-bearing deposits
- $69.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30434
- Fed RSSD
- 332671
- Website
- www.morgantonsavings.com →
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, Morganton Savings Bank, S.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Morganton Savings Bank, S.S.B.'s total assets moved between a low of $104.1M (Q3 2024) and a high of $115.6M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$114.4M total assets against $107.8M; $86.2M total liabilities against $79.6M.
$65.8M net loans and leases against $64.2M; $77.7M total deposits against $71.2M.
$4.5M securities against $9.5M; $30.7M cash and balances due against $22.5M.
$1.2M total interest income against $1.1M; $266K total interest expense against $235K.
$944K net interest income against $903K.
$30K total noninterest income against $21K; $843K total noninterest expense against $800K.
$0 provision for credit losses against $0.
$131K net income against $124K.
0.47% return on assets against 0.47%; 3.75% net interest margin against 3.87%.
25.43% tier 1 leverage ratio against 27.25%.
Inside the full Morganton Savings Bank, S.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMorganton Savings Bank, S.S.B. rankings
Its closest position to the top of a national ranking is 2,974 of 3,640, for Texas Ratio; its furthest is 3,405 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -5.61% (Q4 2024) to 1.07% (Q3 2024) and its net interest margin ran from 2.69% (Q4 2025) to 4.08% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.43% | 0.47% | 0.21% | 0.47% | 3.75% |
| Q1 2026 | 26.18% | 0.13% | 0.27% | 0.58% | 3.54% |
| Q4 2025 | 26.51% | -1.73% | 0.25% | 0.54% | 2.69% |
| Q3 2025 | 27.04% | 0.62% | 0.27% | 0.60% | 3.83% |
| Q2 2025 | 27.25% | 0.47% | 0.37% | 0.80% | 3.87% |
| Q1 2025 | 27.28% | 0.26% | 0.37% | 0.81% | 3.79% |
| Q4 2024 | 26.91% | -5.61% | 0.34% | 0.76% | 2.80% |
| Q3 2024 | 27.08% | 1.07% | 0.32% | 0.73% | 4.08% |
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 |
|---|---|---|---|
| Morganton Savings Bank, S.S.B. (main office) | Morganton , NC | 28655 | $77.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 61 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 Morganton Savings Bank, S.S.B.
What are Morganton Savings Bank, S.S.B.'s total assets?
As of the Q2 2026 filing, Morganton Savings Bank, S.S.B. reported total assets of $114.4 million in its FFIEC call report.
Where is Morganton Savings Bank, S.S.B. headquartered?
It is headquartered in Morganton, NC, United States.
When was Morganton Savings Bank, S.S.B. founded?
It was established in 1903, per the FDIC institution directory.
Is Morganton Savings Bank, S.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morganton Savings Bank, S.S.B.?
Morganton Savings Bank, S.S.B.'s primary federal regulator is the FDIC.
How many branches does Morganton Savings Bank, S.S.B. 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 Morganton Savings Bank, S.S.B.'s Texas Ratio?
Its Texas Ratio is 0.47% 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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