Black Mountain Savings Bank, SSB is a si headquartered in Black Mountain, North Carolina, in business for about 103 years. At the end of Q2 2026 it reported $43.0M in total assets and $37.7M in deposits, with 1 office.
Black Mountain Savings Bank, SSB has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 546 banks with under $100 million in assets. Among 38 banks headquartered in North Carolina, it ranks 21st. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (12/100, -0.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 72 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.57% |
| Q3 2024 | 11.69% |
| Q4 2024 | 11.94% |
| Q1 2025 | 12.06% |
| Q2 2025 | 11.86% |
| Q3 2025 | 11.99% |
| Q4 2025 | 12.22% |
| Q1 2026 | 12.05% |
| Q2 2026 | 11.99% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.46% |
| Q3 2024 | -0.48% |
| Q4 2024 | -0.34% |
| Q1 2025 | -0.32% |
| Q2 2025 | -0.33% |
| Q3 2025 | -0.39% |
| Q4 2025 | -0.14% |
| Q1 2026 | -0.23% |
| Q2 2026 | -0.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $43.0M | 11.99% | 0.00% | -0.21% | 74.7% |
| Q1 2026 | 72 | $42.7M | 12.05% | 0.00% | -0.23% | 73.3% |
| Q4 2025 | 72 | $42.4M | 12.22% | 0.00% | -0.14% | 75.2% |
| Q3 2025 | 69 | $42.4M | 11.99% | 0.00% | -0.39% | 76.4% |
| Q2 2025 | 70 | $43.7M | 11.86% | 0.00% | -0.33% | 75.3% |
| Q1 2025 | 70 | $43.3M | 12.06% | 0.00% | -0.32% | 77.0% |
| Q4 2024 | 70 | $43.8M | 11.94% | 0.00% | -0.34% | 75.8% |
| Q3 2024 | 68 | $44.2M | 11.69% | 0.00% | -0.48% | 76.8% |
| Q2 2024 | 68 | $45.1M | 11.57% | 0.00% | -0.46% | 76.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tarboro Savings Bank, SSBBank Tarboro, NC | 61 out of 100, Moderate | $54.1M | 11.3% | 0.66% | vs |
| Jackson Savings Bank, SSBBank Sylva, NC | 76 out of 100, Strong | $31.9M | 23.0% | 0.49% | vs |
| First Savings and Loan AssociationBank Mebane, NC | 81 out of 100, Strong | $55.9M | 23.9% | 0.23% | vs |
| Hertford Savings Bank, SSBBank Hertford, NC | 65 out of 100, Moderate | $20.7M | 10.6% | 0.22% | vs |
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Riverside Savings Bank, SSBBank Roanoke Rapids, NC | 84 out of 100, Strong | $94.5M | 18.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Black Mountain Savings Bank, SSB?
Yes. Black Mountain Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #27897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.1% of deposits ($3.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Black Mountain Savings Bank, SSB lists 1 office in 1 city. Most locations:
- Black Mountain, NC (1)
Identity & history
Profile
- Legal name
- Black Mountain Savings Bank, SSB
- Former names
- Black Mountain Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 27897
- RSSD ID
- 444677
- Primary regulator
- FDIC
- Established
- April 4, 1923
- Headquarters
- 200 E State St, Black Mountain, NC 28711
- Employees
- 5
Quick answers
Black Mountain Savings Bank, SSB: common questions
Is Black Mountain Savings Bank, SSB FDIC insured?
Yes. Black Mountain Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #27897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Black Mountain Savings Bank, SSB's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Black Mountain Savings Bank, SSB ever failed?
There is no failure record for FDIC certificate #27897 in the FDIC failed bank list.
How many branches does Black Mountain Savings Bank, SSB have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Black Mountain
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oteen V. A. Federal Credit UnionCredit union Asheville, NC | 91 out of 100, Very strong | $34.3M | 13.0% | 0.15% | vs |
| Wnc Community Credit UnionCredit union Waynesville, NC | 83 out of 100, Strong | $96.0M | 17.0% | 0.28% | vs |
| Arcade Credit UnionCredit union Asheville, NC | 80 out of 100, Strong | $7.8M | 14.4% | 0.70% | vs |
| TruPoint BankBank Grundy, VA | 77 out of 100, Strong | $690.8M | 10.6% | 0.02% | vs |
| Telco Community Credit UnionCredit union Candler, NC | 76 out of 100, Strong | $429.3M | 12.4% | 1.23% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |