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Nantahala Bank & Trust Company
Franklin, NC · FDIC Certificate #57784 · Chartered 10/0
Total assets
$288.75M
Total deposits
$260.38M
Total equity
$27.51M
Net loans
$192.65M
Branches (offices)
3
Net income (YTD)
$2.10M
Rank: #2,526 of 4,213 U.S. banks by assets · #25 of 38 in North Carolina. Assets changed 7.7% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 15.86% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 9.53% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.0% |
| Real estate loans (share of loans) | 93.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $180.00M | 93.4% | |
| Commercial & industrial | $11.52M | 6.0% | |
| Consumer / individual | $3.02M | 1.6% | |
| Construction & development | $21.63M | 11.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $248.03M | $228.98M | $772.00K | $18.54M |
| Jun 2023 | $272.38M | $242.89M | $550.00K | $19.20M |
| Jun 2024 | $281.01M | $250.58M | $587.00K | $20.54M |
| Jun 2025 | $268.19M | $244.13M | $1.49M | $23.25M |
| Jun 2026 | $288.75M | $260.38M | $2.10M | $27.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $260.38M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.38M.
Similar-sized banks
Farmers & Merchants Bank ($289.61M) · Farmers Bank ($288.73M)
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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