BlastPoint's Banking Scorecard
Morganton Savings Bank, S.S.B.
Micro
Specialty: Other
NC
FDIC cert 30434
Designations: ✓ Community bank ✓ Mutual
Morganton, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Morganton Savings Bank, S.S.B. faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 26.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.4M
+1.9% YoY
+0.5% QoQ
|
-$110.1M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$63.9M
-1.6% YoY
-1.4% QoQ
|
-$75.2M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$70.5M
+1.7% YoY
+0.5% QoQ
|
-$113.2M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.22%
-67.7% YoY
-50.2% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.88%
-16.6% YoY
-0.6% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
94.62%
+19.1% YoY
+8.7% QoQ
|
+26.89% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.25%
-28.3% YoY
-10.1% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
90.72%
-3.3% YoY
-1.9% QoQ
|
+16.19% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
14.55%
-0.9% YoY
-5.7% QoQ
|
-7.85% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.15%
-30.8% YoY
-11.8% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
61% |
| 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 ? |
-0.05%
+80.5% YoY
-171.9% QoQ
|
-0.61% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.62%
(Tier avg: 67.73%, National avg: 65.09%)
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
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
26
26th pctile
Total Loans
Current: $63.9M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $107.4M · Tier avg: $217.5M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.55% · Tier avg: 22.39%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.72% · Tier avg: 74.53%
18
18th pctile
Total Deposits
Current: $70.5M · Tier avg: $183.7M
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.62% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 94.62% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $70.5M · Tier avg: $183.7M
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.72% · Tier avg: 74.53%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.55% · Tier avg: 22.39%
25
25th pctile
Total Assets
Current: $107.4M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $63.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%