Nantahala Bank&Trust Co
Franklin, North Carolina · FDIC Cert #57784
Nantahala Bank&Trust Co is an FDIC-insured bank (Certificate #57784) with $281M in total assets and $251M in total deposits as of the Q2 2024 Call Report. Headquartered in Franklin, North Carolina, the bank maintains a Tier 1 capital ratio of 9.98% (Well-Capitalized) and a nonperforming loan ratio of 0.28%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Nantahala Bank&Trust Co (FDIC cert 57784) is a community bank — $281M in total assets, $251M in deposits, serving the Franklin, North Carolina area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.98% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.28% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 30.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Nantahala Bank&Trust Co carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Nantahala Bank&Trust Co
- Total Assets
- $281M
- Total Deposits
- $251M
- Tier 1 Capital Ratio
- 9.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.28%
- Liquidity Ratio
- 30.01%
- Return on Assets
- 0.54%
- Headquarters
- Franklin, North Carolina
- FDIC Certificate
- #57784
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Nantahala Bank&Trust Co holds a Tier 1 capital ratio of 9.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Nantahala Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Nantahala Bank&Trust Co shows strong financial health indicators. With $281M in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Nantahala Bank&Trust Co Compares
Nantahala Bank&Trust Co’s Health Score of 79 is 6 points above the North Carolina state average of 73 across 36 FDIC-insured banks. Its 9.98% Tier 1 capital ratio is 4.0 points below the US banking industry average near 14%. The 0.28% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 1584 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Nantahala Bank&Trust Co is 9 points above the portfolio average of 70.
Frequently Asked Questions
Nantahala Bank&Trust Co has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Nantahala Bank&Trust Co's Tier 1 capital ratio of 9.98% and nonperforming loan ratio of 0.28% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Nantahala Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57784). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Nantahala Bank&Trust Co holds $281M in total assets and $251M in total deposits. It is headquartered in Franklin, North Carolina (FDIC Certificate #57784).
Nantahala Bank&Trust Co has a Tier 1 capital ratio of 9.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.28%, and the return on assets is 0.54%.
Yes. Nantahala Bank&Trust Co is FDIC-insured (Certificate #57784). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Nantahala Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.