Roxboro Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Roxboro Savings Bank, SSB of Roxboro, 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 | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE | 8.51% | 13.32% | -4.81% | 28th below |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 24th bottom |
| Efficiency Ratio | 44.19% | 61.15% | -16.96% | 90th top |
| PPNR / Avg Assets | 1.99% | 1.68% | +0.31% | 72nd above |
| Yield on Earning Assets | 5.07% | 5.67% | -0.60% | 26th below |
| Cost of Funds | 1.69% | 1.88% | -0.19% | 57th above |
| Net Interest Spread | 2.73% | 3.32% | -0.59% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 69th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 73rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 923.78% | 1538.91% | -615.13% | 82nd top |
| Texas Ratio | 0.45% | 7.33% | -6.88% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 38.92% | 19.49% | +19.43% | 96th top |
| Tier 1 Ratio | 38.92% | 19.52% | +19.40% | 96th top |
| Total Capital Ratio | 40.17% | 20.61% | +19.56% | 96th top |
| Leverage Ratio | 18.97% | 12.14% | +6.83% | 95th top |
| Equity / Assets | 17.06% | 11.37% | +5.69% | 93rd top |
| TCE / Tangible Assets | 17.06% | 11.09% | +5.97% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.76% | 80.64% | -7.88% | 66th above |
| Core Deposit Ratio | 78.33% | 86.86% | -8.53% | 13th bottom |
| Wholesale Funding Ratio | 1.64% | 5.03% | -3.39% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.95% | 6.85% | +0.10% | 69th above |
| Loan Growth (Y/Y) | 14.85% | 7.90% | +6.95% | 85th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.18% | 6.29% | -0.11% | 65th above |
See Roxboro Savings Bank, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Roxboro Savings Bank, SSB, 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 Roxboro Savings Bank, SSB profile, how to read a UBPR, or how this data updates.