Taylorsville Savings Bank, SSB
Also written as TSB
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Data as of · sourced from FFIEC call reports. How we update
Taylorsville Savings Bank, SSB is an FDIC-insured savings bank headquartered in Taylorsville, NC, established in 1921 (FDIC certificate 32348), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $232.4M, up 13.1% from Q2 2025, the 27th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 12.95% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32348
- Headquarters
- Taylorsville, NC
- Established
- 1921
- Total assets, Q2 2026
- $232.4M
- Assets vs Q2 2025
- +13.1%
- CET1 ratio, Q2 2026
- 12.95%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 253171537
- Latest call report
- Q2 2026, FFIEC 051 · Taylorsville Savings Bank, SSB call report
- Asset rank in state
- 27th of 38 in North Carolina
Taylorsville Savings Bank, SSB operates with a thinner capital cushion than most banks of its size. Based in Taylorsville, North Carolina, it had $232 million in assets at June 30, 2026, up 13.1% from a year earlier. It funds 8.08% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also keeps 3.11 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents). It has also been growing, with assets up 13.1% in a year.
Earnings jumped: net income for the quarter was $512,000, 75% above the same quarter a year earlier.
As of June 30, 2026, Taylorsville Savings Bank, SSB reported a CET1 capital ratio of 12.95%, a return on assets of 0.90%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 4.23%. The figures come from its call report filed with the FFIEC.
Taylorsville Savings Bank, SSB ranks as the 27th largest of the 38 banks based in North Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.6% to $232.4M, loans rose 3.9% and deposits rose 4.6%. 1-4 family residential loans made up 77.8% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 14.2%. The FDIC Summary of Deposits lists 3 offices for it, in Taylorsville, NC, Hickory, NC and Hiddenite, NC; its Taylorsville office books 65% of its branch deposits. On its Q2 2026 call report, Taylorsville Savings Bank, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 Main Avenue Dr, Taylorsville, NC 28681
- County
- Alexander
- Metro Area
- Hickory-Lenoir-Morganton, 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
- April 1, 1921
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $215.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $227.3M
- Average total loans
- $176.7M
- Average interest-bearing deposits
- $221.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32348
- Fed RSSD
- 258379
- Website
- www.taylorsvillesavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Taylorsville Savings Bank, SSB's total assets ranged from $151.6M (Q3 2023) to $232.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$232.4M total assets against $205.5M; $216.9M total liabilities against $192.6M.
$179.1M net loans and leases against $154.6M; $215.1M total deposits against $190.4M.
$20.3M securities against $18.5M; $23.2M cash and balances due against $22.9M.
$2.9M total interest income against $2.5M; $1.2M total interest expense against $1.1M.
$1.7M net interest income against $1.4M.
$148K total noninterest income against $138K; $1.1M total noninterest expense against $1.1M.
$17K provision for credit losses against $47K.
$512K net income against $293K.
0.90% return on assets against 0.56%; 3.11% net interest margin against 3.00%.
12.95% CET1 capital ratio against 13.24%; 8.08% tier 1 leverage ratio against 7.97%.
Inside the full Taylorsville Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTaylorsville Savings Bank, SSB rankings
Its closest position to the top of a national ranking is 1,504 of 3,640, for Texas Ratio; its furthest is 2,710 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q4 2025) to 0.93% (Q3 2024) and its net interest margin ran from 2.88% (Q1 2025) to 3.24% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.95% | 0.90% | 0.40% | 4.23% | 3.11% |
| Q1 2026 | 13.28% | 0.84% | 0.46% | 4.95% | 3.02% |
| Q4 2025 | 13.54% | 0.37% | 0.60% | 6.23% | 3.12% |
| Q3 2025 | 13.56% | 0.66% | 0.53% | 5.73% | 3.08% |
| Q2 2025 | 13.24% | 0.56% | 0.49% | 5.35% | 3.00% |
| Q1 2025 | 14.59% | 0.62% | 0.66% | 7.09% | 2.88% |
| Q4 2024 | 14.32% | 0.81% | 0.61% | 6.62% | 2.98% |
| Q3 2024 | 14.37% | 0.93% | 0.63% | 6.30% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| Taylorsville Savings Bank, SSB (main office) | Taylorsville , NC | 28681 | $140.2M |
| Bethlehem Branch | Hickory , NC | 28601 | $41.2M |
| Hiddenite Branch | Hiddenite , NC | 28636 | $33.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 52 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 Taylorsville Savings Bank, SSB
What are Taylorsville Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Taylorsville Savings Bank, SSB reported total assets of $232.4 million in its FFIEC call report.
Where is Taylorsville Savings Bank, SSB headquartered?
It is headquartered in Taylorsville, NC, United States.
When was Taylorsville Savings Bank, SSB founded?
It was established in 1921, per the FDIC institution directory.
Is Taylorsville Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #32348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Taylorsville Savings Bank, SSB?
Taylorsville Savings Bank, SSB's primary federal regulator is the FDIC.
What is Taylorsville Savings Bank, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does Taylorsville Savings Bank, SSB operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Taylorsville Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 4.23% 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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