BlastPoint's Banking Scorecard
Taylorsville Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 32348
Designations: ✓ Community bank ✓ Mutual
Taylorsville, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Taylorsville Savings Bank, SSB 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
- - Non-Interest-Bearing Deposit Share 16.93% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$216.4M
+18.6% YoY
+1.6% QoQ
|
-$1.1M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$164.9M
+14.0% YoY
+2.9% QoQ
|
+$25.7M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$200.1M
+19.0% YoY
+1.4% QoQ
|
+$16.5M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.57%
-20.9% YoY
-10.8% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.03%
-6.3% YoY
+0.8% QoQ
|
-0.83% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
72.09%
+0.8% YoY
+5.1% QoQ
|
+4.36% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.60%
-2.9% YoY
+12.2% QoQ
|
-0.04% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
82.39%
-4.2% YoY
+1.4% QoQ
|
+7.86% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
5.47%
-1.4% YoY
-9.7% QoQ
|
-16.93% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.46%
-6.6% YoY
+13.7% QoQ
|
+0.01% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
13.54%
-5.5% YoY
-0.2% QoQ
|
+4.68% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.17%
-28.4% YoY
+15.9% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.47%
(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
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%
65
65th pctile
Total Loans
Current: $164.9M · Tier avg: $139.2M
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.39% · Tier avg: 74.53%
60
60th pctile
Total Deposits
Current: $200.1M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $216.4M · Tier avg: $217.5M
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
35
35th pctile
Efficiency Ratio
Current: 72.09% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.47% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.47% · Tier avg: 22.39%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
35
35th pctile
Efficiency Ratio
Current: 72.09% · Tier avg: 67.73%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
55
55th pctile
Total Assets
Current: $216.4M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $200.1M · Tier avg: $183.7M
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.39% · Tier avg: 74.53%
65
65th pctile
Total Loans
Current: $164.9M · Tier avg: $139.2M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 8.85%