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Roxboro Savings Bank, SSB

$100M-$1B Specialty: Mortgage NC FDIC cert 28471

Designations: ✓ Mutual

Roxboro, NC

2 branches across NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in NC.
  • Deposits +6.2% year over year ($292.8M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.18%.
  • Efficiency ratio 52.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.86% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

Roxboro Savings Bank, SSB has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 12.20% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.1% in tier
  • - ROA 0.14% below tier average
  • - Net Interest Margin 0.67% below tier average
Get updates when Roxboro Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $360.7M
+6.9% YoY +0.6% QoQ
-$25.9M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $210.4M
+14.8% YoY +4.6% QoQ
-$48.0M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $292.8M
+6.2% YoY +1.0% QoQ
-$33.9M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 1.18%
+48.9% YoY +29.2% QoQ
-0.14% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 3.32%
+5.9% YoY +3.4% QoQ
-0.67% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 52.28%
-21.2% YoY -12.4% QoQ
-12.20% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.14%
-53.1% YoY -7.6% QoQ
-0.78% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 71.86%
+8.1% YoY +3.5% QoQ
-6.10% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 16.79%
+2.0% YoY +3.0% QoQ
-5.24% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.08%
-49.6% YoY -4.0% QoQ
-0.59% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 38.92%
-2.6% YoY +0.6% QoQ
+23.01% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
Top 2.0% in tier
Non-Interest Income / Assets ? 0.20%
+24.2% YoY +118.7% QoQ
-0.36% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Noninterest-Bearing 16.8%
+0.3pp YoY
+0.5pp QoQ
 -5.4pp 22.1% 21.8% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 0.9%
-0.3pp YoY
-0.2pp QoQ
 -10.7pp 11.6% 10.5% 12.5% 3%
CRE 24.0%
+1.4pp YoY
+0.4pp QoQ
 -15.5pp 39.5% 46.3% 41.4% 25%
1-4 Family 75.7%
-1.0pp YoY
-0.2pp QoQ
 +43.1pp 32.6% 44.2% 31.3% 96%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 1.6% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 38.9%
-1.1pp YoY
+0.2pp QoQ
 +20.1pp 18.8% 22.8% 19.7% 96%
Leverage Ratio 19.0%
+0.4pp YoY
-0.1pp QoQ
 +6.8pp 12.2% 14.4% 12.6% 95%
Total Capital Ratio 40.2%
-1.1pp YoY
+0.2pp QoQ
 +20.2pp 19.9% 23.8% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 34
+1 (+3.0%) YoY
+1 (+3.0%) QoQ
 -25 58 5,103 482 33%
Assets per Employee ($) $10.6M
+3.8% YoY
-2.3% QoQ
 +$3.1M $7.5M $9.4M $8.8M 89%
Branch Count 2
0 YoY
0 QoQ
 -3 4 170 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 23%
Allowance Coverage 9.24x
+116.4% YoY
+7.2% QoQ
 -14.92x 24.15x 3.36x 20.23x 80%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 7.0%
+2.0pp YoY
+1.6pp QoQ
 -5.2pp 12.2% 8.7% 11.6% 21%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 53%
Net Income ($, YTD) $2.1M
+59.2% YoY
— QoQ
 -$447K $2.6M $518.0M $40.4M 54%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#91 of 742 • Bottom 12.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 38.92%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 71.86%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

54
Tier 1 Capital Ratio
capital
Value: 38.92%
Peer Median: 15.91%
#54 of 2643 Top 2.0% in $100M-$1B
563
Efficiency Ratio
profitability
Value: 52.28%
Peer Median: 64.48%
#563 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (1 metrics)

2106
Net Interest Margin
profitability
Value: 3.32%
Peer Median: 3.99%
#2106 of 2643 Bottom 20.4% in $100M-$1B
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