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Tarboro Savings Bank, SSB

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Tarboro, NC Under $100M in assets Est. January 1, 1906 FDIC #29061 RSSD #800479 Routing #253171524 FDIC

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
Assets
$54.1M
Deposits
$47.8M
Loans
$40.6M
Equity
$6.2M

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

Profitability

Q2 annualized
Return on Assets-0.33%YTD -0.25%
Return on Equity-2.88%YTD -2.26%
Net Interest Margin2.40%YTD 2.31%

Balance Sheet

Total liabilities$47.8M
Cash & balances due$7.7M
Securities, available-for-sale$0
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2-$45K
Net interest income YTD$497K
Total interest income YTD$1.2M
Total interest expense YTD$681K
Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$66K
Total noninterest expense YTD$634K

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

Total assets and total liabilities

$54.1M total assets against $56.4M; $47.8M total liabilities against $50.0M.

Loans and leases against deposits

$40.4M net loans and leases against $40.3M; $47.8M total deposits against $48.9M.

Securities and cash

$0 securities against $0; $7.7M cash and balances due against $10.2M.

Interest income against interest expense

$585K total interest income against $616K; $337K total interest expense against $407K.

Net interest income

$248K net interest income against $209K.

Noninterest income against noninterest expense

$28K total noninterest income against $21K; $321K total noninterest expense against $341K.

Provision for credit losses

No provision recorded in the last 12 quarters.

Net income

-$45K net income against -$111K.

Return on assets and net interest margin

-0.33% return on assets against -0.77%; 2.40% net interest margin against 1.84%.

CET1 and Tier 1 leverage ratios

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.

1–1 of 1
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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Tarboro Savings Bank, SSB: regulatory capital profile · BankRegReports

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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