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Nantahala Bank & Trust Company

$100M-$1B Specialty: Commercial NC FDIC cert 57784

Franklin, 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 +6.7% year over year ($260.4M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 1.47%.
  • Efficiency ratio 63.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.99% 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) →

Nantahala Bank & Trust Company shows strong momentum with 4 strengths and 7.7% YoY asset growth

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

  • + Deposit Franchise: Top 63.0% in tier
  • + ROA 0.15% above tier average
  • + Efficiency Ratio 0.84% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Nantahala Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $288.8M
+7.7% YoY +1.1% QoQ
-$97.8M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $192.7M
+1.9% YoY -0.9% QoQ
-$65.7M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $260.4M
+6.7% YoY +0.6% QoQ
-$66.4M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.47%
+31.4% YoY +13.7% QoQ
+0.15% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 4.65%
+12.2% YoY +2.7% QoQ
+0.66% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 63.64%
-7.7% YoY -6.0% QoQ
-0.84% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
46%
Delinquency Rate ? 0.32%
-20.2% YoY -13.7% QoQ
-0.60% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 73.99%
-4.5% YoY -1.5% QoQ
-3.96% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 35.15%
+12.1% YoY +10.0% QoQ
+13.12% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
Top 9.6% in tier
Nonperforming Asset Ratio ? 0.21%
-24.5% YoY -15.4% QoQ
-0.46% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 14.93%
+19.7% YoY +6.9% QoQ
-0.98% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.37%
+28.8% YoY +116.7% QoQ
-0.19% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
82%

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 35.2%
+3.8pp YoY
+3.2pp QoQ
 +13.0pp 22.1% 21.8% 22.2% 90%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.8pp 7.9% 7.7% 8.5% 5%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 6.0%
+1.5pp YoY
+0.9pp QoQ
 -5.6pp 11.6% 10.5% 12.5% 25%
CRE 41.1%
+2.0pp YoY
+0.7pp QoQ
 +1.6pp 39.5% 46.3% 41.4% 56%
1-4 Family 52.3%
-3.0pp YoY
-1.5pp QoQ
 +19.7pp 32.6% 44.2% 31.3% 84%
Consumer 1.6%
-0.5pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 1.6% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 14.4%
+2.5pp YoY
+1.0pp QoQ
 -4.4pp 18.8% 22.8% 19.7% 43%
Leverage Ratio 9.4%
+1.2pp YoY
+0.3pp QoQ
 -2.7pp 12.2% 14.4% 12.6% 20%
Total Capital Ratio 16.0%
+2.4pp YoY
+1.0pp QoQ
 -3.9pp 19.9% 23.8% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 55
0 YoY
-2 (-3.5%) QoQ
 -4 58 5,103 482 58%
Assets per Employee ($) $5.2M
+7.7% YoY
+4.7% QoQ
 -$2.3M $7.5M $9.4M $8.8M 18%
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 0.3%
-0.1pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 40%
Allowance Coverage 3.07x
+19.5% YoY
+15.8% QoQ
 -21.08x 24.15x 3.36x 20.23x 59%
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 15.9%
+2.6pp YoY
+1.7pp QoQ
 +3.7pp 12.2% 8.7% 11.6% 72%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 20%
Net Income ($, YTD) $2.1M
+40.6% YoY
— QoQ
 -$458K $2.6M $518.0M $40.4M 54%

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 (1)

Deposit Franchise

growth
#176 of 278 • Top 63.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 35.15%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.65%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

255
Non-Interest-Bearing Deposit Share
funding
Value: 35.15%
Peer Median: 22.03%
#255 of 2643 Top 9.6% in $100M-$1B
423
Net Interest Margin
profitability
Value: 4.65%
Peer Median: 3.99%
#423 of 2643 Top 16.0% in $100M-$1B
469
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#469 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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