Total Assets
$107M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$70M
Customer-funded liabilities
Net Loans
$64M
Outstanding loan book
Net Income
$222K
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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 metrics
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
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.21%
Return on Equity (ROE)
0.79%
Efficiency Ratio
94.62%
What the numbers say about Morganton Savings Bank, S.S.B.
Morganton Savings Bank, S.S.B. is an FDIC-insured institution (Certificate #30434) headquartered in Morganton, North Carolina, established in 1903. It holds $107M in total assets - 3,681st of 4,313 FDIC-insured banks, $70M in customer deposits, and $64M in net loans. Capital-wise, the Tier 1 ratio sits at 26.94%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.53%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Morganton Savings Bank, S.S.B. is a community-scale institution -- 31st of 38 FDIC-insured banks headquartered in North Carolina by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in North Carolina by total assets
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.
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 Morganton Savings Bank, S.S.B.'s health grade?▼
Morganton Savings Bank, S.S.B. receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Morganton Savings Bank, S.S.B.?▼
Morganton Savings Bank, S.S.B. holds $107M in total assets and $70M in deposits, ranking 3,681st of 4,313 FDIC-insured banks by asset size. It is headquartered in Morganton, North Carolina.
Is my money safe at Morganton Savings Bank, S.S.B.?▼
Yes, deposits at Morganton Savings Bank, S.S.B. (Certificate #30434) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Morganton Savings Bank, S.S.B.'s Tier 1 Capital Ratio?▼
Morganton Savings Bank, S.S.B. has a Tier 1 Capital Ratio of 26.94%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Morganton Savings Bank, S.S.B.?▼
Morganton Savings Bank, S.S.B. has a Texas Ratio of 0.53%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Morganton Savings Bank, S.S.B.?▼
Morganton Savings Bank, S.S.B. has an Efficiency Ratio of 94.62%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Morganton Savings Bank, S.S.B.'s profile as a depositor or analyst.
- Morganton Savings Bank, S.S.B.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Morganton Savings Bank, S.S.B. 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.