Roxboro Savings Bank, SSB: 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: 62.29 percentage points higher than in Q1 2026, at 923.78%. Roxboro Savings Bank, SSB ranks 13th of 38 North Carolina banks on return on assets, in the upper half at 1.44% (Q2 2026). Roxboro Savings Bank, SSB reported 1.44% on return on assets for Q2 2026, 0.19 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 38.92% |
| Tier 1 risk-based capital ratio | 38.92% |
| Total risk-based capital ratio | 40.17% |
| Tier 1 leverage ratio | 18.97% |
| Equity capital to assets | 17.06% |
| Tangible equity to tangible assets | 17.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.45% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 923.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 8.51% |
| Net interest margin | 3.41% |
| Efficiency ratio | 44.19% |
| Yield on earning assets | 5.07% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.76% |
| Core deposits to total deposits | 78.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.18% |
| Securities to assets | 32.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 42.13% | 42.13% | 43.39% | 19.58% | 0.83% |
| Q4 2023 | 41.38% | 41.38% | 42.63% | 19.17% | 0.85% |
| Q1 2024 | 41.56% | 41.56% | 42.81% | 19.07% | 0.79% |
| Q2 2024 | 41.37% | 41.37% | 42.62% | 18.98% | 1.12% |
| Q3 2024 | 42.06% | 42.06% | 43.31% | 19.05% | 0.81% |
| Q4 2024 | 40.59% | 40.59% | 41.85% | 19.30% | 1.13% |
| Q1 2025 | 40.23% | 40.23% | 41.49% | 18.73% | 0.83% |
| Q2 2025 | 39.98% | 39.98% | 41.23% | 18.60% | 0.71% |
| Q3 2025 | 39.40% | 39.40% | 40.65% | 19.33% | 1.00% |
| Q4 2025 | 38.91% | 38.91% | 40.16% | 18.92% | 1.14% |
| Q1 2026 | 38.68% | 38.68% | 39.94% | 19.03% | 0.92% |
| Q2 2026 | 38.92% | 38.92% | 40.17% | 18.97% | 1.44% |
Roxboro Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Roxboro Savings Bank, SSB, 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 Roxboro Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28471) · FFIEC NIC profile (RSSD 472979)