FDIC Cert #30434 · Morganton, North Carolina · Est. 1903

Morganton Savings Bank, S.S.B. - FDIC Bank Health Profile

A community-scale look at Morganton Savings Bank, S.S.B.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$107M
Total assets
B
Health grade · Good
0.21%
Return on assets
26.9%
Tier 1 capital

Data updated July 2026

The verdict

Morganton Savings Bank, S.S.B. earns a PlainBankData health grade of B (67/100), with well-capitalized at 26.94% Tier 1, 0.21% ROA, 95% efficiency ratio.

#3,681
largest of 4,313 FDIC banks by assets
15th
percentile by asset size, nationally
26.94%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 30434 · NC B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3269/4307
  • PHOTO-FINISH Franklin Bank · NJ
  • TIER1-WELL 26.9% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-THIN 0.21% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Franklin Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Morganton Savings Bank, S.S.B.

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Bank of Sea Isle… · NJ ·…67/100Franklin Bank · NJ · near67/100Geddes Federal Savin… · NY ·…67/100Morganton Savings Ba… · NC ·…67/100Tecumseh Federal Bank · NE ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Morganton Savings Bank, S.S.B. · July 2026

What Morganton Savings Bank, S.S.B.'s Call Report plate shows

Morganton Savings Bank, S.S.B. (FDIC Cert #30434) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,269 of 4,307. Tier 1 capital prints at 26.94%, clearing the 10% well-capitalized line. The Texas Ratio is 0.53%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.21%. Balance-sheet scale is $107M, 3,681st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Franklin Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Morganton Savings Bank, S.S.B.

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Morganton Savings Bank, S.S.B.'s home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Morganton Savings Bank, S.S.B. remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How Morganton Savings Bank, S.S.B.'s 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Morganton Savings Bank, S.S.B.'s composite health score
Tier 1 Capital Ratio (26.94%) 40/40
Return on Assets (ROA) (0.21%) 7/25
Texas Ratio (0.53%) 20/20
Efficiency Ratio (94.62%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$107M

Total balance-sheet footings

Total Deposits

$70M

Customer-funded liabilities

Net Loans

$64M

Outstanding loan book

Net Income

$222K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.54% 26.94% 28.34%
Basel III capital ratios - Morganton Savings Bank, S.S.B.

Where Morganton Savings Bank, S.S.B. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Morganton Savings Bank, S.S.B.'s score of 67/100 falls in the highlighted band.

Morganton Savings Bank, S.S.B.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Morganton Savings Bank, S.S.B. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Morganton Savings Bank, S.S.B.'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). Morganton Savings Bank, S.S.B.'s $107M falls in the highlighted band.

Safety ratios for Morganton Savings Bank, S.S.B.

Tier 1 capital ratio
Well-capitalized 10%

26.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
26.94%
Texas Ratio
0.53%
Equity Capital
$29M

What these ratios mean →

Profitability metrics: Morganton Savings Bank, S.S.B.

Return on Assets (ROA)
8th percentile nationally
0.21%
Return on Equity (ROE)
0.79%
Efficiency Ratio
94.62%

What these mean →

Income & expense at Morganton Savings Bank, S.S.B.

$5M
Interest Income
$-52K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Morganton Savings Bank, S.S.B. reports a Texas Ratio of 0.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Morganton Savings Bank, S.S.B. on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($107M here), outside North Carolina so the neighborhood is not state containment.

The Peoples Savings and Loan Company $108M · OH Scottsdale Community Bank $107M · AZ The Lytle State Bank of Lytle, Texas $108M · TX The Bank of Grain Valley $108M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Morganton Savings Bank, S.S.B. (FDIC Cert #30434) - 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.

Morganton Savings Bank, S.S.B. Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
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%