Total Assets
$55M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$49M
Customer-funded liabilities
Net Loans
$41M
Outstanding loan book
Net Income
$-360K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-0.64%
Return on Equity (ROE)
-5.56%
Efficiency Ratio
137.50%
What the numbers say about Tarboro Savings Bank, SSB
Tarboro Savings Bank, SSB is an FDIC-insured institution (Certificate #29061) headquartered in Tarboro, North Carolina, established in 1906. It holds $55M in total assets - 4,094th of 4,313 FDIC-insured banks, $49M in customer deposits, and $41M in net loans. Capital-wise, the Tier 1 ratio sits at 10.99%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.07%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (44 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Tarboro Savings Bank, SSB is a community-scale institution -- 34th 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
$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.
Top banks in North Carolina by total assets
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.
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 Tarboro Savings Bank, SSB's health grade?▼
Tarboro Savings Bank, SSB receives a health grade of D (44/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Tarboro Savings Bank, SSB?▼
Tarboro Savings Bank, SSB holds $55M in total assets and $49M in deposits, ranking 4,094th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tarboro, North Carolina.
Is my money safe at Tarboro Savings Bank, SSB?▼
Yes, deposits at Tarboro Savings Bank, SSB (Certificate #29061) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Tarboro Savings Bank, SSB's Tier 1 Capital Ratio?▼
Tarboro Savings Bank, SSB has a Tier 1 Capital Ratio of 10.99%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Tarboro Savings Bank, SSB?▼
Tarboro Savings Bank, SSB has a Texas Ratio of 10.07%. 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 Tarboro Savings Bank, SSB?▼
Tarboro Savings Bank, SSB has an Efficiency Ratio of 137.50%. 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 Tarboro Savings Bank, SSB's profile as a depositor or analyst.
- Tarboro Savings Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Tarboro 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.