Taylorsville Sb SSB
Taylorsville, North Carolina · FDIC Cert #32348
Taylorsville Sb SSB is an FDIC-insured bank (Certificate #32348) with $166M in total assets and $152M in total deposits as of the Q2 2024 Call Report. Headquartered in Taylorsville, North Carolina, the bank maintains a Tier 1 capital ratio of 14.54% (Well-Capitalized) and a nonperforming loan ratio of 0.67%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Taylorsville Sb SSB (FDIC cert 32348) is a community bank — $166M in total assets, $152M in deposits, serving the Taylorsville, 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 strong: Tier 1 capital ratio of 14.54% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.67% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.73% 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Taylorsville Sb SSB carries a composite BankHealth grade of B (73/100) 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: Taylorsville Sb SSB
- Total Assets
- $166M
- Total Deposits
- $152M
- Tier 1 Capital Ratio
- 14.54%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.67%
- Liquidity Ratio
- 12.88%
- Return on Assets
- 0.73%
- Headquarters
- Taylorsville, North Carolina
- FDIC Certificate
- #32348
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Taylorsville Sb SSB holds a Tier 1 capital ratio of 14.54%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Taylorsville Sb SSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Taylorsville Sb SSB shows strong financial health indicators. With $166M in assets and a Health Score of 73/100, 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 Taylorsville Sb SSB Compares
Taylorsville Sb SSB’s Health Score of 73 is 0 points above the North Carolina state average of 73 across 36 FDIC-insured banks. Its 14.54% Tier 1 capital ratio is 0.5 points above the US banking industry average near 14%. The 0.67% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.73% is below the national ROA benchmark of ~1.1%. Among 1427 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Taylorsville Sb SSB is 3 points above the portfolio average of 70.
Frequently Asked Questions
Taylorsville Sb SSB has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.54%, 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. Taylorsville Sb SSB's Tier 1 capital ratio of 14.54% and nonperforming loan ratio of 0.67% 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 Taylorsville Sb SSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32348). 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.
Taylorsville Sb SSB holds $166M in total assets and $152M in total deposits. It is headquartered in Taylorsville, North Carolina (FDIC Certificate #32348).
Taylorsville Sb SSB has a Tier 1 capital ratio of 14.54%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.67%, and the return on assets is 0.73%.
Yes. Taylorsville Sb SSB is FDIC-insured (Certificate #32348). 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%).
Taylorsville Sb SSB'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.