BlastPoint's Banking Scorecard
Tarboro Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 29061
Designations: ✓ Community bank ✓ Mutual
Tarboro, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Tarboro Savings Bank, SSB faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.73% below tier
- - Net Interest Margin 2.11% below tier
- - Efficiency Ratio 69.77% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.1M
+0.6% YoY
-3.9% QoQ
|
-$162.4M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$41.1M
+0.9% YoY
+1.9% QoQ
|
-$98.1M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$48.7M
+3.6% YoY
-2.3% QoQ
|
-$135.0M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
-0.64%
+15.8% YoY
+3.8% QoQ
|
-1.73% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
1.74%
+5.2% YoY
+2.6% QoQ
|
-2.11% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
137.50%
-8.3% YoY
-2.0% QoQ
|
+69.77% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
1.59%
+124.4% YoY
+130.1% QoQ
|
+0.95% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
84.38%
-2.6% YoY
+4.3% QoQ
|
+9.86% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.18%
+125.1% YoY
+144.2% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+10.1% YoY
+56.2% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.64%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.74%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
137.50%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.38% · Tier avg: 74.53%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
16
16th pctile
Total Loans
Current: $41.1M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $48.7M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $55.1M · Tier avg: $217.5M
3
3th pctile
Return on Assets
Current: -0.64% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Net Interest Margin
Current: 1.74% · Tier avg: 3.85%
0
0th pctile
Efficiency Ratio
Current: 137.50% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 137.50% · Tier avg: 67.73%
1
1th pctile
Net Interest Margin
Current: 1.74% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
3
3th pctile
Return on Assets
Current: -0.64% · Tier avg: 1.08%
9
9th pctile
Total Assets
Current: $55.1M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.7M · Tier avg: $183.7M
16
16th pctile
Total Loans
Current: $41.1M · Tier avg: $139.2M
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.38% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%