Morganton Savings Bank, S.S.B.: 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 Reserve coverage of non-performing loans: 297.49 percentage points higher than in Q1 2026, at 1645.52%. Morganton Savings Bank, S.S.B. ranks 28th of 38 North Carolina banks on return on assets, in the lower half at 0.47% (Q2 2026). Morganton Savings Bank, S.S.B.'s return on assets of 0.47% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.43% |
| Equity capital to assets | 24.70% |
| Tangible equity to tangible assets | 24.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.47% |
| Allowance for credit losses to loans | 3.50% |
| Reserve coverage of non-performing loans | 1645.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 1.86% |
| Net interest margin | 3.75% |
| Efficiency ratio | 86.48% |
| Yield on earning assets | 4.80% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.77% |
| Core deposits to total deposits | 93.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 67.87% |
| Securities to assets | 3.91% |
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 | 23.68% | 0.53% | 3.76% | 0.07% | -0.01% |
| Q4 2023 | 24.49% | 2.99% | 4.55% | 0.10% | -0.01% |
| Q1 2024 | 24.47% | 0.61% | 3.88% | 0.09% | -0.01% |
| Q2 2024 | 26.45% | 3.17% | 6.06% | 0.10% | 0.01% |
| Q3 2024 | 27.08% | 1.07% | 4.08% | 0.32% | 0.00% |
| Q4 2024 | 26.91% | -5.61% | 3.87% | 0.34% | 0.00% |
| Q1 2025 | 27.28% | 0.26% | 3.79% | 0.37% | 0.00% |
| Q2 2025 | 27.25% | 0.47% | 3.87% | 0.37% | 0.00% |
| Q3 2025 | 27.04% | 0.62% | 3.83% | 0.27% | 0.00% |
| Q4 2025 | 26.51% | -1.73% | 2.69% | 0.25% | 0.01% |
| Q1 2026 | 26.18% | 0.13% | 3.54% | 0.27% | 0.00% |
| Q2 2026 | 25.43% | 0.47% | 3.75% | 0.21% | 0.00% |
Morganton Savings Bank, S.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morganton Savings Bank, S.S.B., 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 Morganton Savings Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30434) · FFIEC NIC profile (RSSD 332671)