BlastPoint's Banking Scorecard
Taylorsville Savings Bank, SSB
Designations: ✓ Mutual
Taylorsville, NC
3 branches across 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 +13.0% year over year ($215.1M on the books).
- Delinquency rate 0.40%.
- Return on assets 0.88%.
- Efficiency ratio 62.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.29% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Taylorsville Savings Bank, SSB has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.86% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.57% below tier average
- - ROA 0.45% below tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.4M
+13.1% YoY
+4.6% QoQ
|
-$154.2M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$179.1M
+15.9% YoY
+3.9% QoQ
|
-$79.2M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$215.1M
+13.0% YoY
+4.6% QoQ
|
-$111.7M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
0.88%
+42.2% YoY
+2.5% QoQ
|
-0.45% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
3.10%
+4.2% YoY
+1.4% QoQ
|
-0.89% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio ? |
62.62%
-11.0% YoY
-0.7% QoQ
|
-1.86% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.40%
-19.1% YoY
-14.7% QoQ
|
-0.52% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
83.29%
+2.6% YoY
-0.7% QoQ
|
+5.34% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
6.46%
+6.2% YoY
+6.1% QoQ
|
-15.57% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.2% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-17.1% YoY
-15.3% QoQ
|
-0.36% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
12.95%
-2.2% YoY
-2.5% QoQ
|
-2.96% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.10%
-3.6% YoY
+170.3% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
6.5%
+0.4pp YoY +0.4pp QoQ |
-15.7pp | 22.1% | 21.8% | 22.2% | 5% |
| Brokered Deposits |
0.5%
-2.2pp YoY -1.0pp QoQ |
-7.4pp | 7.9% | 7.7% | 8.5% | 11% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.6%
-0.3pp YoY +0.1pp QoQ |
-10.0pp | 11.6% | 10.5% | 12.5% | 5% |
| CRE | n/a | n/a | 39.5% | 46.3% | 41.4% | n/a |
| 1-4 Family |
78.4%
-0.9pp YoY -1.7pp QoQ |
+45.8pp | 32.6% | 44.2% | 31.3% | 96% |
| Consumer |
0.7%
-0.1pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 1.6% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
-0.3pp YoY -0.3pp QoQ |
-5.9pp | 18.8% | 22.8% | 19.7% | 27% |
| Leverage Ratio |
8.1%
+0.1pp YoY +0.1pp QoQ |
-4.1pp | 12.2% | 14.4% | 12.6% | 3% |
| Total Capital Ratio |
14.0%
-0.3pp YoY -0.4pp QoQ |
-5.9pp | 19.9% | 23.8% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
+2 (+6.9%) YoY +2 (+6.9%) QoQ |
-28 | 58 | 5,103 | 482 | 28% |
| Assets per Employee ($) |
$7.5M
+5.8% YoY -2.2% QoQ |
-$22K | $7.5M | $9.4M | $8.8M | 61% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 170 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 0.9% | 0.7% | 1.0% | 47% |
| Allowance Coverage |
2.07x
+16.5% YoY +14.2% QoQ |
-22.09x | 24.15x | 3.36x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+3.7pp YoY +0.4pp QoQ |
+1.0pp | 12.2% | 8.7% | 11.6% | 57% |
| Cost of Funds (YTD) |
2.3%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.8% | 1.7% | 84% |
| Net Income ($, YTD) |
$981,000
+63.5% YoY — QoQ |
-$1.6M | $2.6M | $518.0M | $40.4M | 26% |
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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.