BlastPoint

BlastPoint's Banking Scorecard

Taylorsville Savings Bank, SSB

$100M-$1B Specialty: Mortgage NC FDIC cert 32348

Designations: ✓ Mutual

Taylorsville, NC

3 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

Taylorsville Savings Bank, SSB 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 2.23% below tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 15.93% below tier average
  • - ROA 0.41% below tier average
  • - Net Interest Margin 0.87% below tier average
Get updates when Taylorsville Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $222.2M
+13.6% YoY +2.7% QoQ
-$163.9M $386.1M
+0.5% YoY
$92.4B
+2.4% YoY
$6.2B
+9.1% YoY
31%
Total Loans ? $172.4M
+14.8% YoY +4.6% QoQ
-$83.3M $255.7M
+1.1% YoY
$45.0B
+8.2% YoY
$3.2B
+10.8% YoY
42%
Total Deposits ? $205.5M
+13.7% YoY +2.7% QoQ
-$122.4M $328.0M
+0.1% YoY
$72.8B
+2.6% YoY
$4.8B
+8.2% YoY
36%
Return on Assets ? 0.86%
+31.7% YoY +50.7% QoQ
-0.41% 1.27%
+12.9% YoY
0.99%
+29.5% YoY
1.23%
+13.4% YoY
29%
Net Interest Margin ? 3.06%
+4.2% YoY +1.0% QoQ
-0.87% 3.93%
+6.0% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
Bottom 13.0% in tier
Efficiency Ratio ? 63.06%
-8.0% YoY -12.5% QoQ
-2.23% 65.29%
-4.5% YoY
69.88%
-8.6% YoY
66.95%
-4.1% YoY
51%
Delinquency Rate ? 0.47%
-29.3% YoY -22.2% QoQ
-0.42% 0.89%
+18.8% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
47%
Loan-to-Deposit Ratio ? 83.87%
+0.9% YoY +1.8% QoQ
+7.24% 76.64%
+0.8% YoY
79.67%
+1.0% YoY
76.70%
+0.9% YoY
37%
Non-Interest-Bearing Deposit Share ? 6.09%
+11.8% YoY +11.3% QoQ
-15.93% 22.02%
-1.0% YoY
18.50%
+0.3% YoY
22.01%
-1.2% YoY
Bottom 4.7% in tier
Nonperforming Asset Ratio ? 0.36%
-28.5% YoY -20.8% QoQ
-0.27% 0.64%
+19.7% YoY
0.45%
+20.5% YoY
0.67%
+19.3% YoY
45%
Tier 1 Capital Ratio ? 13.28%
-9.0% YoY -1.9% QoQ
-2.55% 15.83%
+1.5% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.04%
-1.0% YoY -78.7% QoQ
-0.24% 0.28%
+9.3% YoY
0.21%
+7.3% YoY
0.32%
+4.1% YoY
Bottom 11.5% in tier

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2541
Non-Interest-Bearing Deposit Share
funding
Value: 6.09%
Peer Median: 22.02%
#2541 of 2664 Bottom 4.7% in $100M-$1B
2359
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.28%
#2359 of 2664 Bottom 11.5% in $100M-$1B
2318
Net Interest Margin
profitability
Value: 3.06%
Peer Median: 3.93%
#2318 of 2664 Bottom 13.0% in $100M-$1B
Powered by BlastPoint © 2026