Morganton Savings Bank SSB vs Roxboro Savings Bank SSB
Side-by-side bank health comparison using FDIC financial data
Morganton Savings Bank SSB (A) and Roxboro Savings Bank SSB (A) are close on the BankHealth rubric. Asset bases: $112M versus $328M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Morganton Savings Bank SSB has a stronger Bank Health Score of 98/100 (A) compared to Roxboro Savings Bank SSB at 95/100 (A), a difference of 3 points. Morganton Savings Bank SSB holds a Tier 1 capital ratio of 26.5% and an NPL ratio of 0.10%.
| Metric | Morganton Savings Bank SSB | Roxboro Savings Bank SSB |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A)* | 95/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 26.5% | 41.4%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 29.5% | 43.7%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.8%* | 1.2% |
| Total Assets | $112M | $328M |
| Total Deposits | $71M | $266M |
| Location | Morganton, North Carolina | Roxboro, North Carolina |
Morganton Savings Bank SSB has a stronger Bank Health Score of 98/100 (A) compared to Roxboro Savings Bank SSB at 95/100 (A), a difference of 3 points. Morganton Savings Bank SSB holds a Tier 1 capital ratio of 26.5% and an NPL ratio of 0.10%.