$358M
+7.1%y/y
Percentile by value17th percentileby value
FDIC
ASSETRS
Roxboro Savings Bank, SSB
Roxboro, North CarolinaFDIC Cert #28471
STATEEstablished 19232 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportRoxboro Savings Bank, SSB reported $358M in total assets. Deposits grew 6.48% over the prior year.
Return on assets was 0.92%, compared with an asset-peer median of 1.22%. The leverage ratio was 19.03%.
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Total Assets below asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$290M
+6.5%y/y
Percentile by value13th percentileby value
FDIC
DEP$201M
+12.0%y/y
Percentile by value12th percentileby value
FDIC
LNLSNET0.92%
+6 bpsy/y
Peer standing30th percentile
FDIC
NETINC + ROA59.68%
−161 bpsy/y
Peer standing58th percentile
FDIC
NONIX + NIM + NONII + EEFFR19.03%
+30 bpsy/y
Peer standing97th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $285M | $224M |
| Q3 2021 | $290M | $228M |
| Q4 2021 | $288M | $226M |
| Q1 2022 | $289M | $232M |
| Q2 2022 | $290M | $240M |
| Q3 2022 | $289M | $241M |
| Q4 2022 | $293M | $242M |
| Q1 2023 | $299M | $245M |
| Q2 2023 | $299M | $248M |
| Q3 2023 | $312M | $258M |
| Q4 2023 | $319M | $258M |
| Q1 2024 | $324M | $262M |
| Q2 2024 | $328M | $266M |
| Q3 2024 | $325M | $261M |
| Q4 2024 | $328M | $264M |
| Q1 2025 | $335M | $272M |
| Q2 2025 | $337M | $276M |
| Q3 2025 | $348M | $281M |
| Q4 2025 | $350M | $282M |
| Q1 2026 | $358M | $290M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $14.7M |
| Investor CRE | $5.35M |
| Multifamily | $12.6M |
| Construction | $14.8M |
| 1–4 family | $153M |
| C&I | $2.11M |
| Agriculture | $1.52M |
| Other |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.92%30th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE5.41%14th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.21%17th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.68%58th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+6.48%66th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+12.04%79th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%71st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ19.03%97th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.39%54th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC47%11th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.92%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.18%Median 0.92%90th 1.84%Observations 39
ROE
FDIC
NETINC + ROE5.41%37th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.85%Median 8.99%90th 14.57%Observations 39
NIM
FDIC
NIM + NIMY3.21%42nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.49%Median 3.32%90th 4.24%Observations 39
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.68%66th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.18%Median 67.13%90th 91.37%Observations 39
Deposits YoY
FDIC
DEP+6.48%59th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.59%Median +5.99%90th +17.55%Observations 38
Loans YoY
FDIC
LNLSNET+12.04%83rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.21%Median +7.05%90th +14.68%Observations 37
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%69th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.38%90th 1.51%Observations 37
Leverage
FDIC
RBC1AAJ19.03%87th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.58%Median 11.44%90th 23.08%Observations 39
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.39%57th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.44%90th 3.45%Observations 38
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC47%22nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 8%Median 174%90th 282%Observations 28
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.92%44th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 0.96%90th 2.20%Observations 10
ROE
FDIC
NETINC + ROE5.41%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.76%Median 8.60%90th 17.03%Observations 10
NIM
FDIC
NIM + NIMY3.21%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.80%90th 4.30%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.68%67th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.88%Median 64.37%90th 79.46%Observations 10
Deposits YoY
FDIC
DEP+6.48%67th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.22%Median +5.00%90th +20.29%Observations 10
Loans YoY
FDIC
LNLSNET+12.04%78th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.92%Median +5.94%90th +22.03%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%78th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.12%Median 0.50%90th 1.88%Observations 10
Leverage
FDIC
RBC1AAJ19.03%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.64%Median 11.85%90th 17.88%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.39%44th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.50%Median 2.38%90th 2.87%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC47%17th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 123%90th 278%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Roxboro, NC
FDIC
OFFDOMOpen the North Carolina dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data