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Roxboro Savings Bank, SSB

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

Designations: ✓ Mutual

Roxboro, NC

2 branches across NC

2664 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 5.60% below tier average
  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 11.9% in tier
  • - ROA 0.35% below tier average
  • - Net Interest Margin 0.72% below tier average
Get updates when Roxboro Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $358.5M
+7.1% YoY +2.5% QoQ
-$27.6M $386.1M
+0.5% YoY
$92.4B
+2.4% YoY
$6.2B
+9.1% YoY
55%
Total Loans ? $201.2M
+12.0% YoY +1.6% QoQ
-$54.5M $255.7M
+1.1% YoY
$45.0B
+8.2% YoY
$3.2B
+10.8% YoY
49%
Total Deposits ? $289.8M
+6.5% YoY +2.9% QoQ
-$38.1M $328.0M
+0.1% YoY
$72.8B
+2.6% YoY
$4.8B
+8.2% YoY
53%
Return on Assets ? 0.92%
+6.8% YoY -1.8% QoQ
-0.35% 1.27%
+12.9% YoY
0.99%
+29.5% YoY
1.23%
+13.4% YoY
32%
Net Interest Margin ? 3.21%
+6.8% YoY -0.1% QoQ
-0.72% 3.93%
+6.0% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
18%
Efficiency Ratio ? 59.68%
-2.6% YoY -5.4% QoQ
-5.60% 65.29%
-4.5% YoY
69.88%
-8.6% YoY
66.95%
-4.1% YoY
61%
Delinquency Rate ? 0.15%
-51.5% YoY -17.2% QoQ
-0.74% 0.89%
+18.8% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
69%
Loan-to-Deposit Ratio ? 69.43%
+5.2% YoY -1.2% QoQ
-7.21% 76.64%
+0.8% YoY
79.67%
+1.0% YoY
76.70%
+0.9% YoY
68%
Non-Interest-Bearing Deposit Share ? 16.30%
-2.8% YoY +6.7% QoQ
-5.72% 22.02%
-1.0% YoY
18.50%
+0.3% YoY
22.01%
-1.2% YoY
29%
Nonperforming Asset Ratio ? 0.08%
-49.3% YoY -18.0% QoQ
-0.56% 0.64%
+19.7% YoY
0.45%
+20.5% YoY
0.67%
+19.3% YoY
73%
Tier 1 Capital Ratio ? 38.68%
-3.9% YoY -0.6% QoQ
+22.85% 15.83%
+1.5% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
Top 1.7% in tier
Non-Interest Income / Assets ? 0.09%
+25.1% YoY -71.1% QoQ
-0.19% 0.28%
+9.3% YoY
0.21%
+7.3% YoY
0.32%
+4.1% YoY
48%

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
#89 of 739 • Bottom 11.9% 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: 38.68%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 69.43%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

47
Tier 1 Capital Ratio
capital
Value: 38.68%
Peer Median: 15.83%
#47 of 2664 Top 1.7% in $100M-$1B

Top Weaknesses (1 metrics)

2195
Net Interest Margin
profitability
Value: 3.21%
Peer Median: 3.93%
#2195 of 2664 Bottom 17.6% in $100M-$1B
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