Tarboro Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tarboro Savings Bank, SSB of Tarboro, NC against its peer group of 506 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 | -0.33% | 3.13% | -3.46% | 12th bottom |
| ROAE | -2.88% | 10.32% | -13.20% | 11th bottom |
| Net Interest Margin | 2.40% | 3.94% | -1.54% | 6th bottom |
| Efficiency Ratio | 116.30% | 76.26% | +40.04% | 9th bottom |
| PPNR / Avg Assets | -0.33% | 1.41% | -1.74% | 9th bottom |
| Yield on Earning Assets | 5.65% | 5.35% | +0.30% | 66th above |
| Cost of Funds | 2.83% | 1.70% | +1.13% | 11th bottom |
| Net Interest Spread | 2.84% | 3.32% | -0.48% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 1.34% | -0.70% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.71% | -0.23% | 32nd below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.41% | 1.49% | -1.08% | 1st bottom |
| ACL / NPLs (Coverage) | 63.46% | 866.94% | -803.48% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.20% | 8.27% | -4.07% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.27% | 17.65% | -6.38% | 31st below |
| Equity / Assets | 11.54% | 16.46% | -4.92% | 41st below |
| TCE / Tangible Assets | 11.54% | 16.20% | -4.66% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.92% | 72.82% | +12.10% | 23rd bottom |
| Core Deposit Ratio | 84.35% | 88.28% | -3.93% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.18% | 4.27% | -8.45% | 14th bottom |
| Loan Growth (Y/Y) | 0.20% | 6.76% | -6.56% | 41st below |
| Deposit Growth (Y/Y) | -2.28% | 3.73% | -6.01% | 23rd bottom |
See Tarboro Savings Bank, SSB's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tarboro 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 Tarboro Savings Bank, SSB profile, how to read a UBPR, or how this data updates.