Total Assets
$350M
Total balance-sheet footings
FDIC Cert #28471 · Roxboro, North Carolina · Est. 1923
Roxboro Savings Bank, SSB - FDIC Bank Health Profile
A community-scale look at Roxboro Savings Bank, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $350M
- Total assets
- A
- Health grade · Excellent
- 0.93%
- Return on assets
- 38.9%
- Tier 1 capital
Data updated July 2026
The verdict
Roxboro Savings Bank, SSB earns a PlainBankData health grade of A (82/100), with well-capitalized at 38.91% Tier 1, 0.93% ROA, 63% efficiency ratio.
- #2,282
- largest of 4,313 FDIC banks by assets
- 47th
- percentile by asset size, nationally
- 38.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Roxboro Savings Bank, SSB's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Roxboro Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (38.91%) 40/40
Return on Assets (ROA) (0.93%) 14/25
Texas Ratio (0.57%) 20/20
Efficiency Ratio (63.11%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$282M
Customer-funded liabilities
Net Loans
$198M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Roxboro Savings Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Roxboro Savings Bank, SSB's score of 82/100 falls in the highlighted band.
Roxboro 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). Roxboro Savings Bank, SSB's $350M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
38.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
38.91%
Texas Ratio
0.57%
Equity Capital
$60M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.93%
Return on Equity (ROE)
5.69%
Efficiency Ratio
63.11%
What the numbers say about Roxboro Savings Bank, SSB
Roxboro Savings Bank, SSB is an FDIC-insured institution (Certificate #28471) headquartered in Roxboro, North Carolina, established in 1923. It holds $350M in total assets - 2,282nd of 4,313 FDIC-insured banks, $282M in customer deposits, and $198M in net loans. Its capital position: a Tier 1 ratio of 38.91%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.57% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Roxboro Savings Bank, SSB sits 24th of 38 banks headquartered in North Carolina by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$16M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Roxboro Savings Bank, SSB reports a Texas Ratio of 0.57% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.57% - 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) Roxboro Savings Bank, SSB (FDIC Cert #28471) - 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 Roxboro Savings Bank, SSB's health grade?▼
Roxboro Savings Bank, SSB receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Roxboro Savings Bank, SSB?▼
Roxboro Savings Bank, SSB holds $350M in total assets and $282M in deposits, ranking 2,282nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Roxboro, North Carolina.
Is my money safe at Roxboro Savings Bank, SSB?▼
Yes, deposits at Roxboro Savings Bank, SSB (Certificate #28471) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Roxboro Savings Bank, SSB's Tier 1 Capital Ratio?▼
Roxboro Savings Bank, SSB has a Tier 1 Capital Ratio of 38.91%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Roxboro Savings Bank, SSB?▼
Roxboro Savings Bank, SSB has a Texas Ratio of 0.57%. 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 Roxboro Savings Bank, SSB?▼
Roxboro Savings Bank, SSB has an Efficiency Ratio of 63.11%. 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 Roxboro Savings Bank, SSB's profile as a depositor or analyst.
- Roxboro Savings Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Roxboro 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.