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Morganton Savings Bank, S.S.B.

$100M-$1B Specialty: Other NC FDIC cert 30434

Designations: ✓ Mutual

Morganton, 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 +9.0% year over year ($77.7M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 0.37%.
  • Efficiency ratio 89.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.70% 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) →

Morganton Savings Bank, S.S.B. has 1 strength but faces 6 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

  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.0% in tier
  • - NIB Deposit Bleed: Bottom 54.3% in tier
  • - Return on Assets 0.95% below tier average
  • - Efficiency Ratio 24.80% above tier average
  • - Non-Interest Income / Assets 0.51% below tier average
  • - Net Interest Margin 0.19% below tier average
Get updates when Morganton Savings Bank, S.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $114.5M
+6.2% YoY +4.9% QoQ
-$272.1M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
Bottom 3.9% in tier
Total Loans ? $65.8M
+2.4% YoY +2.8% QoQ
-$192.6M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
Bottom 6.0% in tier
Total Deposits ? $77.7M
+9.0% YoY +7.6% QoQ
-$249.1M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
Bottom 0.9% in tier
Return on Assets ? 0.37%
+1.9% YoY +87.9% QoQ
-0.95% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
Bottom 8.9% in tier
Net Interest Margin ? 3.79%
-2.6% YoY +2.8% QoQ
-0.19% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 89.28%
-0.3% YoY -5.4% QoQ
+24.80% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
Bottom 6.1% in tier
Delinquency Rate ? 0.22%
-42.0% YoY -20.3% QoQ
-0.70% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 84.70%
-6.1% YoY -4.4% QoQ
+6.75% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 13.12%
-17.0% YoY -5.9% QoQ
-8.91% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 0.13%
-44.1% YoY -21.9% QoQ
-0.54% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 25.46%
-6.5% YoY -4.1% QoQ
+9.55% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
Top 6.4% in tier
Non-Interest Income / Assets ? 0.05%
+29.7% YoY +84.7% QoQ
-0.51% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
Bottom 6.4% in tier

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 13.1%
-2.7pp YoY
-0.8pp QoQ
 -9.0pp 22.1% 21.8% 22.2% 17%
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 n/a n/a 11.6% 10.5% 12.5% n/a
CRE 36.1%
+2.8pp YoY
+0.4pp QoQ
 -3.4pp 39.5% 46.3% 41.4% 45%
1-4 Family 67.5%
-2.9pp YoY
-0.5pp QoQ
 +34.9pp 32.6% 44.2% 31.3% 93%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 1.6% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.8% 19.7% n/a
Leverage Ratio 25.5%
-1.8pp YoY
-1.1pp QoQ
 +13.3pp 12.2% 14.4% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 11
+1 (+10.0%) YoY
0 QoQ
 -48 58 5,103 482 1%
Assets per Employee ($) $10.4M
-3.4% YoY
+4.9% QoQ
 +$2.9M $7.5M $9.4M $8.8M 88%
Branch Count 1
0 YoY
0 QoQ
 -4 4 170 18 0%

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 0.2%
-0.2pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.7% 1.0% 31%
Allowance Coverage 16.46x
+68.1% YoY
+22.1% QoQ
 -7.70x 24.15x 3.36x 20.23x 87%
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 1.4%
+0.1pp YoY
+0.7pp QoQ
 -10.8pp 12.2% 8.7% 11.6% 5%
Cost of Funds (YTD) 1.1%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 13%
Net Income ($, YTD) $203,000
+6.3% YoY
— QoQ
 -$2.4M $2.6M $518.0M $40.4M 5%

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 (2)

Liquidity Overhang

risk
#105 of 742 • Bottom 14.0% 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: 25.46%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 84.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline
#89 of 162 • Bottom 54.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.12%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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 (1 metrics)

171
Tier 1 Capital Ratio
capital
Value: 25.46%
Peer Median: 15.91%
#171 of 2643 Top 6.4% in $100M-$1B

Top Weaknesses (7 metrics)

2621
Total Deposits
size
Value: $77.66M
Peer Median: $326.73M
#2621 of 2643 Bottom 0.9% in $100M-$1B
2541
Total Assets
size
Value: $114.48M
Peer Median: $386.57M
#2541 of 2643 Bottom 3.9% in $100M-$1B
2486
Total Loans
size
Value: $65.78M
Peer Median: $258.35M
#2486 of 2643 Bottom 6.0% in $100M-$1B
2482
Efficiency Ratio
profitability
Value: 89.28%
Peer Median: 64.48%
#2482 of 2643 Bottom 6.1% in $100M-$1B
2476
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2476 of 2643 Bottom 6.4% in $100M-$1B
2408
Return on Assets
profitability
Value: 0.37%
Peer Median: 1.32%
#2408 of 2643 Bottom 8.9% in $100M-$1B
2174
Non-Interest-Bearing Deposit Share
funding
Value: 13.12%
Peer Median: 22.03%
#2174 of 2643 Bottom 17.8% in $100M-$1B
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