Morganton Savings Bank, S.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Morganton Savings Bank, S.S.B. of Morganton, NC against its peer group of 2672 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 | 0.47% | 1.35% | -0.88% | 12th bottom |
| ROAE | 1.86% | 12.06% | -10.20% | 7th bottom |
| Net Interest Margin | 3.75% | 3.90% | -0.15% | 40th below |
| Efficiency Ratio | 86.48% | 63.14% | +23.34% | 8th bottom |
| PPNR / Avg Assets | 0.47% | 1.64% | -1.17% | 8th bottom |
| Yield on Earning Assets | 4.80% | 5.65% | -0.85% | 16th bottom |
| Cost of Funds | 1.26% | 1.85% | -0.59% | 82nd top |
| Net Interest Spread | 3.28% | 3.35% | -0.07% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.92% | -0.71% | 63rd above |
| NPA / Total Assets | 0.13% | 0.67% | -0.54% | 66th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 3.50% | 1.28% | +2.22% | 99th top |
| ACL / NPLs (Coverage) | 1645.52% | 1645.14% | +0.38% | — |
| Texas Ratio | 0.47% | 7.15% | -6.68% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 25.43% | 12.46% | +12.97% | 98th top |
| Equity / Assets | 24.70% | 11.67% | +13.03% | 98th top |
| TCE / Tangible Assets | 24.70% | 11.40% | +13.30% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.77% | 78.64% | +9.13% | 33rd below |
| Core Deposit Ratio | 93.43% | 87.09% | +6.34% | 76th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.37% | 5.11% | -0.74% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.18% | 6.47% | -0.29% | 63rd above |
| Loan Growth (Y/Y) | 2.32% | 7.64% | -5.32% | 33rd below |
| Deposit Growth (Y/Y) | 9.01% | 6.02% | +2.99% | 79th top |
See Morganton Savings Bank, S.S.B.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Morganton Savings Bank, S.S.B., 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 Morganton Savings Bank, S.S.B. profile, how to read a UBPR, or how this data updates.