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Black Mountain Savings Bank, SSB
Black Mountain, NC · FDIC Certificate #27897 · Chartered 04/0
Total assets
$42.99M
Total deposits
$37.71M
Total equity
$5.11M
Net loans
$28.17M
Branches (offices)
1
Net income (YTD)
-$44.00K
Rank: #4,080 of 4,213 U.S. banks by assets · #35 of 38 in North Carolina. Assets changed -1.5% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.21% |
| Return on equity | -1.71% |
| Net interest margin (YTD) | 1.96% |
| Equity to assets | 11.89% |
| Tier 1 leverage ratio | 11.99% |
| Uninsured deposits (share of deposits) | 10.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.7% |
| Real estate loans (share of loans) | 99.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.10M | 99.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $41.00K | 0.1% | |
| Construction & development | $563.00K | 2.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $44.70M | $39.28M | $33.00K | $5.29M |
| Jun 2023 | $44.70M | $38.34M | $54.00K | $5.40M |
| Jun 2024 | $45.05M | $39.16M | -$106.00K | $5.27M |
| Jun 2025 | $43.66M | $37.35M | -$72.00K | $5.14M |
| Jun 2026 | $42.99M | $37.71M | -$44.00K | $5.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $37.71M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $37.71M.
Similar-sized banks
Community Bank Of Easton ($43.01M) · Robert Lee State Bank ($42.88M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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