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First Savings and Loan Association

under $100M Specialty: Mortgage NC FDIC cert 30358

Designations: ✓ Community bank ✓ Mutual

Mebane, NC

537 banks in the under $100M peer group nationally 7 in NC
View under $100M leaderboard (NC) →

First Savings and Loan Association 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 0.05% below tier average
  • + Delinquency Rate 1.14% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.43% below tier average
  • - Non-Interest-Bearing Deposit Share 23.79% below tier average
  • - ROA 0.55% below tier average
Get updates when First Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $55.6M
-5.0% YoY +0.1% QoQ
-$6.7M $62.3M
-0.5% YoY
$92.4B
+2.4% YoY
$6.2B
+9.0% YoY
39%
Total Loans ? $36.6M
+2.1% YoY -0.7% QoQ
+$2.3M $34.3M
-1.5% YoY
$45.0B
+8.2% YoY
$3.2B
+10.7% YoY
58%
Total Deposits ? $41.5M
-6.7% YoY -0.1% QoQ
-$10.3M $51.8M
-0.6% YoY
$72.8B
+2.6% YoY
$4.8B
+8.0% YoY
32%
Return on Assets ? 0.30%
+199.8% YoY +383.0% QoQ
-0.55% 0.86%
-3.6% YoY
0.99%
+29.5% YoY
1.24%
+13.1% YoY
23%
Net Interest Margin ? 2.44%
+48.0% YoY +22.6% QoQ
-1.43% 3.87%
+2.7% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
Bottom 6.1% in tier
Efficiency Ratio ? 87.57%
-25.5% YoY -18.0% QoQ
-0.05% 87.63%
+2.3% YoY
69.88%
-8.6% YoY
66.84%
-3.8% YoY
23%
Delinquency Rate ? 0.22%
-2.0% YoY +0.7% QoQ
-1.14% 1.36%
+33.7% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
57%
Loan-to-Deposit Ratio ? 88.26%
+9.4% YoY -0.6% QoQ
+24.15% 64.11%
-0.9% YoY
79.67%
+1.0% YoY
76.69%
+0.9% YoY
17%
Non-Interest-Bearing Deposit Share ? 0.00% -23.79% 23.79%
+0.5% YoY
18.50%
+0.3% YoY
22.01%
-1.1% YoY
Bottom 4.7% in tier
Nonperforming Asset Ratio ? 0.15%
+5.2% YoY -0.1% QoQ
-0.63% 0.77%
+28.7% YoY
0.45%
+20.5% YoY
0.66%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 53.63%
-0.4% YoY -0.7% QoQ
+26.86% 26.77%
+2.0% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
Top 6.7% in tier
Non-Interest Income / Assets ? 0.04%
+5.2% YoY -76.2% QoQ
-0.63% 0.67%
+1.6% YoY
0.21%
+7.3% YoY
0.32%
+4.0% YoY
28%

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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

37
Tier 1 Capital Ratio
capital
Value: 53.63%
Peer Median: 26.77%
#37 of 537 Top 6.7% in under $100M

Top Weaknesses (5 metrics)

513
Non-Interest-Bearing Deposit Share
funding
Value: 0.00%
Peer Median: 23.79%
#513 of 537 Bottom 4.7% in under $100M
505
Net Interest Margin
profitability
Value: 2.44%
Peer Median: 3.87%
#505 of 537 Bottom 6.1% in under $100M
449
Loan-to-Deposit Ratio
liquidity
Value: 88.26%
Peer Median: 64.11%
#449 of 537 Bottom 16.6% in under $100M
416
Return on Assets
profitability
Value: 0.30%
Peer Median: 0.86%
#416 of 537 Bottom 22.7% in under $100M
414
Efficiency Ratio
profitability
Value: 87.57%
Peer Median: 87.63%
#414 of 537 Bottom 23.1% in under $100M
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