Nantahala Bank & Trust Company
Also written as NB&T
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Data as of · sourced from FFIEC call reports. How we update
Nantahala Bank & Trust Company is an FDIC-insured commercial bank headquartered in Franklin, NC, established in 2004 (FDIC certificate 57784), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $288.8M, up 7.7% from Q2 2025, the 25th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 14.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57784
- Headquarters
- Franklin, NC
- Established
- 2004
- Total assets, Q2 2026
- $288.8M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 14.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 053112547
- Latest call report
- Q2 2026, FFIEC 051 · Nantahala Bank & Trust Company Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 25th of 38 in North Carolina
Nantahala Bank & Trust Company earns an unusually wide margin on its lending. Its balance sheet stood at $289 million at June 30, 2026, up 7.7% from a year earlier; it is based in Franklin, North Carolina. It keeps 4.74 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.24% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.2 million, 42% above the same quarter a year earlier. Over the same year, loans grew 1.8% and deposits grew 6.7%. Where it has less room is capital: it funds 9.43% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Nantahala Bank & Trust Company reported a CET1 capital ratio of 14.38%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.09%. The figures come from its call report filed with the FFIEC.
Nantahala Bank & Trust Company ranks as the 25th 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 1.1% to $288.8M, loans fell 0.9% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 51.8% of total loans, followed by owner-occupied commercial real estate loans at 14.0%. Its 3 offices in the FDIC Summary of Deposits are in Franklin, NC, Hayesville, NC and Murphy, NC; its Franklin office books 58% of its branch deposits. On its Q2 2026 call report, Nantahala Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 Siler Rd, Franklin, NC 28734
- County
- Macon
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 2004
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $260.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $287.5M
- Average total loans
- $196.1M
- Average interest-bearing deposits
- $175.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 2004
- FDIC Cert
- 57784
- Fed RSSD
- 3285778
- Website
- www.nantahalabank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Nantahala Bank & Trust Company's total assets ranged from $264.0M (Q1 2025) to $288.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$288.8M total assets against $268.2M; $261.2M total liabilities against $244.9M.
$192.7M net loans and leases against $189.1M; $260.4M total deposits against $244.1M.
$53.9M securities against $50.9M; $29.5M cash and balances due against $16.0M.
$4.0M total interest income against $3.5M; $813K total interest expense against $839K.
$3.2M net interest income against $2.7M.
$583K total noninterest income against $397K; $2.3M total noninterest expense against $2.1M.
-$11K provision for credit losses against -$69K.
$1.2M net income against $832K.
1.64% return on assets against 1.25%; 4.74% net interest margin against 4.23%.
14.38% CET1 capital ratio against 11.89%; 9.43% tier 1 leverage ratio against 8.18%.
Inside the full Nantahala Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNantahala Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,012 of 3,611, for ROA; its furthest is 2,229 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q3 2024) to 1.64% (Q2 2026) and its net interest margin ran from 3.53% (Q3 2024) to 4.74% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 1.64% | 0.32% | 2.09% | 4.74% |
| Q1 2026 | 13.41% | 1.31% | 0.37% | 2.55% | 4.54% |
| Q4 2025 | 12.74% | 1.40% | 0.36% | 2.58% | 4.49% |
| Q3 2025 | 12.32% | 1.33% | 0.37% | 2.71% | 4.44% |
| Q2 2025 | 11.89% | 1.25% | 0.40% | 3.00% | 4.23% |
| Q1 2025 | 11.46% | 1.00% | 0.42% | 3.56% | 4.03% |
| Q4 2024 | 10.86% | 1.01% | 0.26% | 3.61% | 3.83% |
| Q3 2024 | 10.24% | 0.62% | 0.27% | 3.96% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Nantahala Bank & Trust Company (main office) | Franklin , NC | 28734 | $149.7M |
| Hayesville Branch | Hayesville , NC | 28904 | $63.7M |
| Murphy Branch | Murphy , NC | 28906 | $46.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2011 | M&A | Acquired Nantahala Bancshares, Inc. merger for the acquired bank | SEC |
| April 1, 2011 | Structure Change | Acquired Nantahala Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 49 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 Nantahala Bank & Trust Company
What are Nantahala Bank & Trust Company's total assets?
As of the Q2 2026 filing, Nantahala Bank & Trust Company reported total assets of $288.8 million in its FFIEC call report.
Where is Nantahala Bank & Trust Company headquartered?
It is headquartered in Franklin, NC, United States.
When was Nantahala Bank & Trust Company founded?
It was established in 2004, per the FDIC institution directory.
Is Nantahala Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nantahala Bank & Trust Company?
Nantahala Bank & Trust Company's primary federal regulator is the FDIC.
What is Nantahala Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Nantahala Bank & Trust Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nantahala Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.09% 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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