TellerScore

Headquartered in Roxboro, North Carolina, Roxboro Savings Bank, SSB is a si with $360.7M in total assets and $292.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1923.

Based on its Q2 2026 filing, Roxboro Savings Bank, SSB scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 4th. Its strongest component is capital cushion (100/100; 18.97%), and its lowest is earnings (67/100; 1.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.97%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 71.9% · 20.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.45%

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

From Q2 2025 to Q2 2026, the score rose 4 points (86 → 90), mostly because the earnings component improved by 15 points.

TellerScore
868890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202487
Q4 202487
Q1 202587
Q2 202586
Q3 202587
Q4 202588
Q1 202688
Q2 202690
Tier 1 leverage ratio
5.00%12.17%19.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202418.98%
Q3 202419.05%
Q4 202419.30%
Q1 202518.73%
Q2 202518.60%
Q3 202519.33%
Q4 202518.92%
Q1 202619.03%
Q2 202618.97%
Noncurrent loans
0.13%0.23%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.32%
Q4 20240.32%
Q1 20250.30%
Q2 20250.29%
Q3 20250.25%
Q4 20250.18%
Q1 20260.15%
Q2 20260.13%
Return on assets
0.79%0.99%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.90%
Q4 20240.96%
Q1 20250.86%
Q2 20250.79%
Q3 20250.86%
Q4 20250.93%
Q1 20260.92%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$360.7M18.97%0.13%1.18%71.9%
Q1 202688$358.5M19.03%0.15%0.92%69.4%
Q4 202588$349.8M18.92%0.18%0.93%70.3%
Q3 202587$347.8M19.33%0.25%0.86%67.6%
Q2 202586$337.2M18.60%0.29%0.79%66.4%
Q1 202587$334.8M18.73%0.30%0.86%66.0%
Q4 202487$327.6M19.30%0.32%0.96%65.8%
Q3 202487$325.2M19.05%0.32%0.90%64.1%
Q2 202488$328.1M18.98%0.33%0.95%62.0%

2,650 peers · $100 million – $1 billion

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).

Capital ratio18.97%
95th
Total risk-based capital40.17%
98th
Problem loans0.13%
71st
Net charge-offs0.00%
68th
Return on assets1.18%
46th
Net interest margin3.32%
20th
Efficiency ratio52.3%
79th
Loans to deposits71.9%
66th
Uninsured deposits20.3%
64th
Loan-loss reserves1.24%
55th
Texas ratio0.4%
78th

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Nantahala Bank & Trust CompanyBank Franklin, NC73 out of 100, Strong$288.8M9.4%0.32%vs
First Federal BankBank Dunn, NC59 out of 100, Moderate$275.6M9.2%0.47%vs
Mechanics & Farmers BankBank Durham, NC64 out of 100, Moderate$476.0M15.1%2.39%vs
First Federal Savings Bank of LincolntonBank Lincolnton, NC79 out of 100, Strong$485.8M17.6%0.46%vs
Taylorsville Savings Bank, SSBBank Taylorsville, NC63 out of 100, Moderate$232.4M8.1%0.40%vs
LifeStore BankBank West Jefferson, NC71 out of 100, Strong$491.3M11.9%1.11%vs

Deposit insurance

Is my money safe at Roxboro Savings Bank, SSB?

Yes. Roxboro Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #28471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.3% of deposits ($59.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.17% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Roxboro Savings Bank, SSB lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Roxboro Savings Bank, SSB reported 145 home-loan applications under HMDA (LEI 254900YFG40I5QM6EX80): 110 originated ($35,790,000 total), 21 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Roxboro Savings Bank, SSB
Former names
Roxboro Savings and Loan Association
Type
SI
FDIC certificate #
28471
RSSD ID
472979
Primary regulator
FDIC
Established
January 1, 1923
Headquarters
313 S Main St, Roxboro, NC 27573
Employees
34

Quick answers

Roxboro Savings Bank, SSB: common questions

Is Roxboro Savings Bank, SSB FDIC insured?

Yes. Roxboro Savings Bank, SSB is an FDIC-insured institution (FDIC certificate #28471). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Roxboro Savings Bank, SSB's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Roxboro Savings Bank, SSB ever failed?

There is no failure record for FDIC certificate #28471 in the FDIC failed bank list.

How many branches does Roxboro Savings Bank, SSB have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Roxboro

InstitutionScoreAssetsCapitalProblem loansCompare
Vision Financial Federal Credit UnionCredit union Durham, NC94 out of 100, Very strong$59.5M16.8%0.00%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
First Savings and Loan AssociationBank Mebane, NC81 out of 100, Strong$55.9M23.9%0.23%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs