FDIC Cert #29061 · Tarboro, North Carolina · Est. 1906

Tarboro 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.

Compiled from official public sources by the publisher.
$55M
Total assets
D
Health grade · Weak
-0.64%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

Tarboro Savings Bank, SSB earns a PlainBankData health grade of D (44/100), with well-capitalized at 10.99% Tier 1, -0.64% ROA, 138% efficiency ratio.

#4,094
largest of 4,313 FDIC banks by assets
5th
percentile by asset size, nationally
10.99%
Tier 1 ratio - above the 10% well-capitalized line
2nd
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.

FDIC Call Report plate

Cert 29061 · NC D · 44/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (44/100)
  • BOTTOM-DECILE #4218/4307
  • PHOTO-FINISH Hibernia Bank · LA
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 10.1% Texas
  • ROA-LOSS -0.64% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Hibernia Bank, LA (±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 Tarboro Savings Bank, SSB

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

Morgan Stanley Bank,… · UT ·…100/100Axiom Bank, National… · FL ·…44/100Bar Harbor Savings a… · ME ·…44/100Hibernia Bank · LA · near44/100Small Business Bank · KS · n…44/100Tarboro Savings Bank… · NC ·…44/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Tarboro Savings Bank, SSB · July 2026

What Tarboro Savings Bank, SSB's Call Report plate shows

Tarboro Savings Bank, SSB (FDIC Cert #29061) carries a PlainBankData health grade of D at 44/100, 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 #4,218 of 4,307. Tier 1 capital prints at 10.99%, clearing the 10% well-capitalized line. The Texas Ratio is 10.07%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.64%. Balance-sheet scale is $55M, 4,094th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hibernia Bank (LA), 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 Tarboro Savings Bank, SSB

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

Tarboro Savings Bank, SSB'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; Tarboro Savings Bank, SSB 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 Tarboro Savings Bank, SSB's 44/100 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 avg77/10044/100
Tarboro Savings Bank, SSB's composite health score
Tier 1 Capital Ratio (10.99%) 28/40
Return on Assets (ROA) (-0.64%) 0/25
Texas Ratio (10.07%) 16/20
Efficiency Ratio (137.50%) 0/15

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

Balance sheet at a glance

Total Assets

$55M

Total balance-sheet footings

Total Deposits

$49M

Customer-funded liabilities

Net Loans

$41M

Outstanding loan book

Net Income

$-360K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.59% 10.99% 12.39%
Basel III capital ratios - Tarboro Savings Bank, SSB

Where Tarboro Savings Bank, SSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Tarboro Savings Bank, SSB's score of 44/100 falls in the highlighted band.

Tarboro Savings Bank, SSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

44 2nd percentile higher than 2% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Tarboro Savings Bank, SSB 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

Tarboro 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). Tarboro Savings Bank, SSB's $55M falls in the highlighted band.

Safety ratios for Tarboro Savings Bank, SSB

Tier 1 capital ratio
Well-capitalized 10%

10.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.99%
Texas Ratio
10.07%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Tarboro Savings Bank, SSB

Return on Assets (ROA)
2nd percentile nationally
-0.64%
Return on Equity (ROE)
-5.56%
Efficiency Ratio
137.50%

What these mean →

Income & expense: loss period at Tarboro Savings Bank, SSB

$2M
Interest Income
$93K
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. Tarboro Savings Bank, SSB reports a Texas Ratio of 10.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Tarboro Savings Bank, SSB

Tarboro Savings Bank, SSB's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-360K 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 Tarboro 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.

FDIC Failed Bank List → View Tarboro Savings Bank, SSB 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 ($55M here), outside North Carolina so the neighborhood is not state containment.

Arlington State Bank $55M · MN The Merchants & Planters Bank $55M · AR Lovelady State Bank $55M · TX Amistad Bank $55M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Tarboro Savings Bank, SSB (FDIC Cert #29061) - 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.

Tarboro Savings Bank, SSB 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%