Total Assets
$42M
Total balance-sheet footings
FDIC Cert #27897 · Black Mountain, North Carolina · Est. 1923
Black Mountain Savings Bank, SSB - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $42M
- Total assets
- C
- Health grade · Fair
- -0.15%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Black Mountain Savings Bank, SSB earns a PlainBankData health grade of C (55/100), with well-capitalized at 12.21% Tier 1, -0.15% ROA, 107% efficiency ratio.
- #4,175
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 12.21%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Black Mountain Savings Bank, SSB's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Black Mountain Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (12.21%) 35/40
Return on Assets (ROA) (-0.15%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (106.71%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$37M
Customer-funded liabilities
Net Loans
$27M
Outstanding loan book
Net Income
$-65K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Black Mountain Savings Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Black Mountain Savings Bank, SSB's score of 55/100 falls in the highlighted band.
Black Mountain Savings Bank, SSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Black Mountain Savings Bank, SSB's $42M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.21%
Texas Ratio
0.00%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.15%
Return on Equity (ROE)
-1.26%
Efficiency Ratio
106.71%
What the numbers say about Black Mountain Savings Bank, SSB
Black Mountain Savings Bank, SSB is an FDIC-insured institution (Certificate #27897) headquartered in Black Mountain, North Carolina, established in 1923. It holds $42M in total assets - 4,175th of 4,313 FDIC-insured banks, $37M in customer deposits, and $27M in net loans. Looking at capital strength, Tier 1 stands at 12.21%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (55/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Black Mountain Savings Bank, SSB ranks 35th of 38 banks based in North Carolina -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$2M
Interest Income
$156K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Black Mountain Savings Bank, SSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Black Mountain Savings Bank, SSB
Black Mountain Savings Bank, SSB's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-65K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Black Mountain Savings Bank, SSB up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in North Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Black Mountain Savings Bank, SSB (FDIC Cert #27897) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National AssociationCharlotte | $2.64T | A | 1.15% |
| Truist BankCharlotte | $539.5B | A | 1.04% |
| First-Citizens Bank & Trust CompanyRaleigh | $229.3B | B | 1.00% |
| Live Oak Banking CompanyWilmington | $15.1B | C | 0.82% |
| First BankSouthern Pines | $12.7B | A | 0.94% |
| Southern Bank and Trust CompanyMount Olive | $5.2B | A | 1.19% |
| HomeTrust BankAsheville | $4.5B | A | 1.43% |
| The Fidelity BankFuquay Varina | $4.4B | A | 1.74% |
Frequently asked questions
What is Black Mountain Savings Bank, SSB's health grade?▼
Black Mountain Savings Bank, SSB receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Black Mountain Savings Bank, SSB?▼
Black Mountain Savings Bank, SSB holds $42M in total assets and $37M in deposits, ranking 4,175th of 4,313 FDIC-insured banks by asset size. It is headquartered in Black Mountain, North Carolina.
Is my money safe at Black Mountain Savings Bank, SSB?▼
Yes, deposits at Black Mountain Savings Bank, SSB (Certificate #27897) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Black Mountain Savings Bank, SSB's Tier 1 Capital Ratio?▼
Black Mountain Savings Bank, SSB has a Tier 1 Capital Ratio of 12.21%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Black Mountain Savings Bank, SSB?▼
Black Mountain Savings Bank, SSB has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Black Mountain Savings Bank, SSB?▼
Black Mountain Savings Bank, SSB has an Efficiency Ratio of 106.71%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Black Mountain Savings Bank, SSB's profile as a depositor or analyst.
- Black Mountain Savings Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Black Mountain Savings Bank, SSB against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.