Nantahala Bank & Trust Company: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 3.20 percentage points in Q2 2026, from 31.95% to 35.15%. It was the largest change from Q1 2026 among the key lines here. Nantahala Bank & Trust Company ranks 25th of 38 North Carolina banks on total deposits, in the lower half at $260.4M (Q2 2026). The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Nantahala Bank & Trust Company sits 6% lower, at $260.4M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $260.4M |
| Domestic office deposits | $260.4M |
| Foreign office deposits | — |
| Deposits to total assets | 90.17% |
| Deposits to total liabilities | 99.67% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $91.5M |
| Savings deposits | $29.8M |
| Transaction accounts to domestic deposits | 43.38% |
| Time deposits | $21K |
| Time deposits under $100k | $14.7M |
| Time deposits $100k to $250k | $18.4M |
| Time deposits over $250k | $21.7M |
| Noninterest-bearing share of deposits | 35.15% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $238.6M |
| Core deposits to total deposits | 91.65% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $28K |
| Brokered deposits to total deposits | 0.01% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.89% |
| Interest expense on deposits | $813K |
| Loans and leases to core deposits | 81.51% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $245.7M | 92.04% | 0.01% | 2.26% |
| Q4 2023 | $240.4M | 90.57% | 1.46% | 2.40% |
| Q1 2024 | $249.8M | 87.29% | 5.21% | 2.61% |
| Q2 2024 | $250.6M | 89.83% | 4.29% | 2.54% |
| Q3 2024 | $260.0M | 91.11% | 3.47% | 2.44% |
| Q4 2024 | $243.2M | 94.71% | 2.07% | 2.28% |
| Q1 2025 | $240.3M | 95.30% | 0.00% | 2.01% |
| Q2 2025 | $244.1M | 94.05% | 0.01% | 2.02% |
| Q3 2025 | $255.0M | 93.01% | 0.01% | 2.02% |
| Q4 2025 | $253.4M | 92.41% | 0.01% | 1.96% |
| Q1 2026 | $258.7M | 92.36% | 0.01% | 1.91% |
| Q2 2026 | $260.4M | 91.65% | 0.01% | 1.89% |
Nantahala Bank & Trust Company deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Nantahala Bank & Trust Company, freeSource: Call Report Schedules RC-E and RC-O, 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 Nantahala Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)