Side-by-side · Q2 2026 data
Black Mountain Savings Bank, SSB vs Hertford Savings Bank, SSB
Bank
Black Mountain Savings Bank, SSB
Black Mountain, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Black Mountain Savings Bank, SSB | Hertford Savings Bank, SSB |
|---|---|---|
| TellerScore | 71 (stronger) | 65 |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 12 | 15 (stronger) |
| Funding & liquidity | 86 (stronger) | 82 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 42nd | 26th |
| Total assets | $43.0M | $20.7M |
| Deposits / shares | $37.7M | $18.5M |
| Capital ratio | 11.99% (stronger) | 10.64% |
| Problem loans | 0.00% (stronger) | 0.22% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.21% | -0.12% (stronger) |
| Loans ÷ deposits | 74.7% (stronger) | 78.5% |
| Uninsured deposits | 10.1% | 4.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Black Mountain Savings Bank, SSB has the higher TellerScore (71 vs 65). On the 6 directional measures above (where higher or lower is clearly better), Black Mountain Savings Bank, SSB leads on 4 and Hertford Savings Bank, SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.