Tarboro Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Tarboro Savings Bank, SSB is an FDIC-insured savings bank headquartered in Tarboro, NC, established in 1906 (FDIC certificate 29061), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $54.1M, down 4.2% from Q2 2025, the 34th largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29061
- Headquarters
- Tarboro, NC
- Established
- 1906
- Total assets, Q2 2026
- $54.1M
- Assets vs Q2 2025
- -4.2%
- Tier 1 leverage ratio, Q2 2026
- 11.27%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253171524
- Latest call report
- Q2 2026, FFIEC 051 · Tarboro Savings Bank, SSB call report
- Asset rank in state
- 34th of 38 in North Carolina
Problem loans are rising at Tarboro Savings Bank, SSB. Its balance sheet stood at $54 million at June 30, 2026, down 4.2% from a year earlier; it is based in Tarboro, North Carolina. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.04% a year earlier. It is losing 2.9% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also spends about 116 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $45,000 in the quarter. Its margin is thin by comparison: it keeps 2.40 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.87 cents).
As of June 30, 2026, Tarboro Savings Bank, SSB reported a return on assets of -0.33%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 4.20%. The figures come from its call report filed with the FFIEC.
Tarboro Savings Bank, SSB ranks as the 34th 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 fell 0.9% to $54.1M, loans rose 0.5% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 81.8% of total loans, ahead of multifamily loans at 17.4%. Its one office in the FDIC Summary of Deposits is in Tarboro, NC. By the capital ratios in its Q2 2026 call report, Tarboro Savings Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 N Main St, Tarboro, NC 27886
- County
- Edgecombe
- Metro Area
- Rocky Mount, 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $47.8M
- Allowance for credit losses
- $165K
- Net charge-offs (YTD)
- $0
- Average total assets
- $55.3M
- Average total loans
- $35.9M
- Average interest-bearing deposits
- $47.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29061
- Fed RSSD
- 800479
- Website
- www.tarborosavingsbank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Tarboro Savings Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Tarboro Savings Bank, SSB's total assets ranged from $52.2M (Q3 2023) to $57.3M (Q3 2025), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$54.1M total assets against $56.4M; $47.8M total liabilities against $50.0M.
$40.4M net loans and leases against $40.3M; $47.8M total deposits against $48.9M.
$0 securities against $0; $7.7M cash and balances due against $10.2M.
$585K total interest income against $616K; $337K total interest expense against $407K.
$248K net interest income against $209K.
$28K total noninterest income against $21K; $321K total noninterest expense against $341K.
No provision recorded in the last 12 quarters.
-$45K net income against -$111K.
-0.33% return on assets against -0.77%; 2.40% net interest margin against 1.84%.
11.27% tier 1 leverage ratio against 11.22%.
Inside the full Tarboro Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.42% (Q4 2024) to -0.19% (Q1 2026) and its net interest margin ran from 1.70% (Q4 2024) to 2.40% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.27% | -0.33% | 0.66% | 4.20% | 2.40% |
| Q1 2026 | 11.19% | -0.19% | 0.88% | 5.51% | 2.22% |
| Q4 2025 | 10.99% | -0.54% | 1.58% | 10.07% | 2.01% |
| Q3 2025 | 11.00% | -0.53% | 0.69% | 4.24% | 1.96% |
| Q2 2025 | 11.22% | -0.77% | 0.04% | 0.23% | 1.84% |
| Q1 2025 | 11.48% | -0.66% | 0.17% | 1.01% | 1.79% |
| Q4 2024 | 12.03% | -1.42% | 0.70% | 4.21% | 1.70% |
| Q3 2024 | 12.29% | -0.58% | 0.00% | 0.00% | 1.81% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Tarboro Savings Bank, SSB (main office) | Tarboro , NC | 27886 | $47.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 70 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 Tarboro Savings Bank, SSB
What are Tarboro Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Tarboro Savings Bank, SSB reported total assets of $54.1 million in its FFIEC call report.
Where is Tarboro Savings Bank, SSB headquartered?
It is headquartered in Tarboro, NC, United States.
When was Tarboro Savings Bank, SSB founded?
It was established in 1906, per the FDIC institution directory.
Is Tarboro Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tarboro Savings Bank, SSB?
Tarboro Savings Bank, SSB's primary federal regulator is the FDIC.
How many branches does Tarboro Savings Bank, SSB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tarboro Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 4.20% 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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