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Roxboro Savings Bank, SSB
Roxboro, NC · FDIC Certificate #28471 · Chartered 01/0
Total assets
$360.68M
Total deposits
$292.80M
Total equity
$61.54M
Net loans
$210.39M
Branches (offices)
2
Net income (YTD)
$2.11M
Rank: #2,198 of 4,213 U.S. banks by assets · #24 of 38 in North Carolina. Assets changed 6.9% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 6.97% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 17.06% |
| Tier 1 leverage ratio | 18.97% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 100.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $211.35M | 100.5% | |
| Commercial & industrial | $1.81M | 0.9% | |
| Consumer / individual | $533.00K | 0.3% | |
| Construction & development | $14.04M | 6.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $289.64M | $240.47M | $842.00K | $45.27M |
| Jun 2023 | $299.37M | $248.43M | $1.46M | $46.92M |
| Jun 2024 | $328.07M | $266.17M | $1.54M | $51.07M |
| Jun 2025 | $337.25M | $275.75M | $1.32M | $54.48M |
| Jun 2026 | $360.68M | $292.80M | $2.11M | $61.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $292.80M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $292.80M.
Similar-sized banks
American State Bank ($360.81M) · Legacy Bank ($360.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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