BlastPoint's Banking Scorecard
Morganton Savings Bank, S.S.B.
Designations: ✓ Mutual
Morganton, NC
Morganton Savings Bank, S.S.B. has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.4% in tier
- - Return on Assets 1.07% below tier average
- - Efficiency Ratio 29.11% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.2M
+4.6% YoY
+1.6% QoQ
|
-$276.9M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.6% in tier |
| Total Loans ? |
$64.0M
-1.9% YoY
+0.1% QoQ
|
-$191.7M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.8% in tier |
| Total Deposits ? |
$72.2M
+6.2% YoY
+2.4% QoQ
|
-$255.8M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.6% in tier |
| Return on Assets ? |
0.20%
-23.4% YoY
-6.2% QoQ
|
-1.07% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.4% in tier |
| Net Interest Margin ? |
3.69%
-5.0% YoY
-4.8% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
94.39%
+2.0% YoY
-0.2% QoQ
|
+29.11% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate ? |
0.28%
-27.3% YoY
+8.5% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
88.65%
-7.6% YoY
-2.3% QoQ
|
+12.01% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
13.94%
+2.4% YoY
-4.2% QoQ
|
-8.08% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.16%
-31.7% YoY
+6.9% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
26.55%
-2.7% YoY
-1.5% QoQ
|
+10.72% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Top 5.3% in tier |
| Non-Interest Income / Assets ? |
0.03%
+27.5% YoY
+160.6% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.8% 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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.