BlastPoint's Banking Scorecard
Black Mountain Savings Bank, SSB
Designations: ✓ Community bank ✓ Mutual
Black Mountain, NC
Black Mountain Savings Bank, SSB has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.03% below tier average
- - Non-Interest-Bearing Deposit Share 23.71% below tier average
- - ROA 1.06% below tier average
- - Efficiency Ratio 23.90% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.7M
-1.3% YoY
+0.8% QoQ
|
-$19.4M |
$62.2M
-0.6% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$27.2M
-3.9% YoY
-0.9% QoQ
|
-$7.0M |
$34.2M
-1.4% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$37.2M
+0.9% YoY
+1.7% QoQ
|
-$14.6M |
$51.7M
-0.7% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
-0.23%
+29.8% YoY
-49.6% QoQ
|
-1.06% |
0.84%
-2.3% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.6% in tier |
| Net Interest Margin ? |
1.83%
-7.5% YoY
-6.7% QoQ
|
-2.03% |
3.86%
+2.8% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio ? |
112.24%
-3.5% YoY
+5.2% QoQ
|
+23.90% |
88.34%
+0.3% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.30%
-4.8% YoY
-2.5% QoQ
|
+9.09% |
64.22%
-0.7% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.71% |
23.71%
+0.3% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.05%
-0.0% YoY
-1.3% QoQ
|
-14.63% |
26.68%
+2.0% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.02%
+1.4% YoY
-94.9% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.