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Morganton Savings Bank, S.S.B.
Morganton, NC · FDIC Certificate #30434 · Chartered 01/0
Total assets
$114.48M
Total deposits
$77.66M
Total equity
$28.31M
Net loans
$65.78M
Branches (offices)
1
Net income (YTD)
$203.00K
Rank: #3,575 of 4,213 U.S. banks by assets · #31 of 38 in North Carolina. Assets changed 6.2% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.37% |
| Return on equity | 1.43% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 24.72% |
| Tier 1 leverage ratio | 25.46% |
| Uninsured deposits (share of deposits) | 18.3% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 84.7% |
| Real estate loans (share of loans) | 103.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $68.16M | 103.6% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $2.00K | 0.0% | |
| Construction & development | $4.01M | 6.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $125.19M | $83.23M | $42.00K | $25.20M |
| Jun 2023 | $116.88M | $78.60M | $392.00K | $25.41M |
| Jun 2024 | $111.72M | $70.83M | $1.03M | $27.84M |
| Jun 2025 | $107.77M | $71.24M | $191.00K | $28.17M |
| Jun 2026 | $114.48M | $77.66M | $203.00K | $28.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $77.66M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $77.66M.
Similar-sized banks
The First National Bank Of Sparta ($114.58M) · Security State Bank Of Aitkin ($114.47M)
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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