Side-by-side · Q2 2026 data
Black Mountain Savings Bank, SSB vs First Savings and Loan Association
Bank
Black Mountain Savings Bank, SSB
Black Mountain, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Black Mountain Savings Bank, SSB | First Savings and Loan Association |
|---|---|---|
| TellerScore | 71 | 81 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 12 | 33 (stronger) |
| Funding & liquidity | 86 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 42nd | 68th |
| Total assets | $43.0M | $55.9M |
| Deposits / shares | $37.7M | $41.6M |
| Capital ratio | 11.99% | 23.92% (stronger) |
| Problem loans | 0.00% (stronger) | 0.23% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.21% | 0.32% (stronger) |
| Loans ÷ deposits | 74.7% (stronger) | 83.8% |
| Uninsured deposits | 10.1% | 9.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Savings and Loan Association has the higher TellerScore (81 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Black Mountain Savings Bank, SSB leads on 2 and First Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.