BlastPoint's Banking Scorecard
Roxboro Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 28471
Designations: ✓ Community bank ✓ Mutual
Roxboro, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Roxboro Savings Bank, SSB shows strong momentum with 1 strength and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 30.06% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$349.8M
+6.8% YoY
+0.6% QoQ
|
+$132.3M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$198.0M
+14.0% YoY
+4.2% QoQ
|
+$58.8M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$281.7M
+6.8% YoY
+0.2% QoQ
|
+$98.0M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.93%
-3.0% YoY
+8.8% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.21%
+5.9% YoY
+1.6% QoQ
|
-0.64% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
63.11%
+1.7% YoY
-3.0% QoQ
|
-4.62% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.18%
-45.9% YoY
-28.8% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
70.29%
+6.8% YoY
+4.0% QoQ
|
-4.23% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
15.27%
-1.7% YoY
-9.1% QoQ
|
-7.12% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.10%
-42.3% YoY
-26.2% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
38.91%
-4.2% YoY
-1.2% QoQ
|
+30.06% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.32%
-3.3% YoY
+32.8% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.91%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 38.91% · Tier avg: 8.85%
80
80th pctile
Total Assets
Current: $349.8M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $281.7M · Tier avg: $183.7M
73
73th pctile
Total Loans
Current: $198.0M · Tier avg: $139.2M
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.29% · Tier avg: 74.53%
58
58th pctile
Efficiency Ratio
Current: 63.11% · Tier avg: 67.73%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
42
42th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.27% · Tier avg: 22.39%
23
23th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
Top Weaknesses
23
23th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.27% · Tier avg: 22.39%
42
42th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
58
58th pctile
Efficiency Ratio
Current: 63.11% · Tier avg: 67.73%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.29% · Tier avg: 74.53%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
73
73th pctile
Total Loans
Current: $198.0M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $281.7M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $349.8M · Tier avg: $217.5M
99
99th pctile
Tier 1 Capital Ratio
Current: 38.91% · Tier avg: 8.85%