Roxboro Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Roxboro Savings Bank, SSB is an FDIC-insured savings bank headquartered in Roxboro, NC, established in 1923 (FDIC certificate 28471), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $360.7M, up 6.9% from Q2 2025, the 24th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 38.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28471
- Headquarters
- Roxboro, NC
- Established
- 1923
- Total assets, Q2 2026
- $360.7M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 38.92%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 253171294
- Latest call report
- Q2 2026, FFIEC 051 · Roxboro Savings Bank, SSB call report
- Asset rank in state
- 24th of 38 in North Carolina
Roxboro Savings Bank, SSB runs leaner than most banks of its size. Its balance sheet stood at $361 million at June 30, 2026, up 6.9% from a year earlier; it is based in Roxboro, North Carolina. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 38.92% of its risk-weighted assets, 2.6 times the median of 15.12% for banks its size.
Earnings jumped: net income for the quarter was $1.3 million, 111% above the same quarter a year earlier. Over the same year, loans grew 14.8% and deposits grew 6.2%. Its margin is thin by comparison: it keeps 3.41 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Roxboro Savings Bank, SSB reported a CET1 capital ratio of 38.92%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
Roxboro Savings Bank, SSB ranks as the 24th 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 0.6% to $360.7M, loans rose 4.5% and deposits rose 1.0%. 1-4 family residential loans made up 74.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 7.1%. Its 2 offices in the FDIC Summary of Deposits are in Roxboro, NC. By the capital ratios in its Q2 2026 call report, Roxboro Savings Bank, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 313 S Main St, Roxboro, NC 27573
- County
- Person
- Metro Area
- Durham-Chapel Hill, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $292.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $360.5M
- Average total loans
- $209.8M
- Average interest-bearing deposits
- $291.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28471
- Fed RSSD
- 472979
- Website
- WWW.ROXBOROSAVINGS.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, Roxboro Savings Bank, SSB's total assets ranged from $311.5M (Q3 2023) to $360.7M (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
$360.7M total assets against $337.2M; $299.1M total liabilities against $282.8M.
$210.4M net loans and leases against $183.2M; $292.8M total deposits against $275.7M.
$118.9M securities against $117.1M; $12.9M cash and balances due against $17.3M.
$4.4M total interest income against $4.0M; $1.5M total interest expense against $1.4M.
$2.9M net interest income against $2.6M.
$402K total noninterest income against $305K; $1.5M total noninterest expense against $2.0M.
$89K provision for credit losses against $7K.
$1.3M net income against $614K.
1.44% return on assets against 0.71%; 3.41% net interest margin against 3.23%.
38.92% CET1 capital ratio against 39.98%; 18.97% tier 1 leverage ratio against 18.60%.
Inside the full Roxboro Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRoxboro Savings Bank, SSB rankings
Its closest position to the top of a national ranking is 29 of 2,134, for CET1 ratio; its furthest is 2,995 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q2 2025) to 1.44% (Q2 2026) and its net interest margin ran from 2.95% (Q1 2025) to 3.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.92% | 1.44% | 0.13% | 0.45% | 3.41% |
| Q1 2026 | 38.68% | 0.92% | 0.15% | 0.47% | 3.23% |
| Q4 2025 | 38.91% | 1.14% | 0.18% | 0.57% | 3.29% |
| Q3 2025 | 39.40% | 1.00% | 0.25% | 0.79% | 3.23% |
| Q2 2025 | 39.98% | 0.71% | 0.29% | 0.94% | 3.23% |
| Q1 2025 | 40.23% | 0.83% | 0.30% | 0.97% | 2.95% |
| Q4 2024 | 40.59% | 1.13% | 0.32% | 1.04% | 3.04% |
| Q3 2024 | 42.06% | 0.81% | 0.32% | 0.95% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Roxboro Savings Bank, SSB (main office) | Roxboro , NC | 27573 | $225.7M |
| Roxboro Branch | Roxboro , NC | 27574 | $67.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 48 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 Roxboro Savings Bank, SSB
What are Roxboro Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Roxboro Savings Bank, SSB reported total assets of $360.7 million in its FFIEC call report.
Where is Roxboro Savings Bank, SSB headquartered?
It is headquartered in Roxboro, NC, United States.
When was Roxboro Savings Bank, SSB founded?
It was established in 1923, per the FDIC institution directory.
Is Roxboro Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Roxboro Savings Bank, SSB?
Roxboro Savings Bank, SSB's primary federal regulator is the FDIC.
What is Roxboro Savings Bank, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 38.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Roxboro Savings Bank, SSB operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Roxboro Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 0.45% 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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