BlastPoint's Banking Scorecard
Tarboro Savings Bank, SSB
Designations: ✓ Community bank ✓ Mutual
Tarboro, NC
Tarboro Savings Bank, SSB has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.81% below tier average
- - Non-Interest-Bearing Deposit Share 23.71% below tier average
- - ROA 1.03% below tier average
- - Efficiency Ratio 20.72% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.6M
-4.7% YoY
-0.9% QoQ
|
-$7.6M |
$62.2M
-0.6% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$40.2M
+0.3% YoY
-2.2% QoQ
|
+$5.9M |
$34.2M
-1.4% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$48.2M
-2.7% YoY
-1.0% QoQ
|
-$3.5M |
$51.7M
-0.7% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
-0.19%
+71.7% YoY
+70.4% QoQ
|
-1.03% |
0.84%
-2.3% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.3% in tier |
| Net Interest Margin ? |
2.05%
+26.7% YoY
+18.0% QoQ
|
-1.81% |
3.86%
+2.8% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio ? |
109.06%
-23.5% YoY
-20.7% QoQ
|
+20.72% |
88.34%
+0.3% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate ? |
0.88%
+420.7% YoY
-44.3% QoQ
|
-0.49% |
1.37%
+33.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
83.35%
+3.1% YoY
-1.2% QoQ
|
+19.13% |
64.22%
-0.7% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
23% |
| 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 ? |
0.65%
+447.8% YoY
-45.0% QoQ
|
-0.14% |
0.79%
+28.2% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
11.19%
-2.5% YoY
+1.9% QoQ
|
-15.49% |
26.68%
+2.0% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.8% in tier |
| Non-Interest Income / Assets ? |
0.07%
+99.4% YoY
-58.8% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
55% |
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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.