Side-by-side · Q2 2026 data
Morganton Savings Bank, S.S.B. vs New Republic Bank
Metric by metric
| Measure | Morganton Savings Bank, S.S.B. | New Republic Bank |
|---|---|---|
| TellerScore | 81 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 | 95 (stronger) |
| Earnings | 35 | 95 (stronger) |
| Funding & liquidity | 72 (stronger) | 59 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 80th | 97th |
| Total assets | $114.5M | $176.3M |
| Deposits / shares | $77.7M | $138.0M |
| Capital ratio | 25.46% (stronger) | 15.81% |
| Problem loans | 0.21% | 0.15% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.37% | 1.88% (stronger) |
| Loans ÷ deposits | 84.7% (stronger) | 86.3% |
| Uninsured deposits | 18.3% (stronger) | 28.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
New Republic Bank has the higher TellerScore (92 vs 81). On the 6 directional measures above (where higher or lower is clearly better), Morganton Savings Bank, S.S.B. leads on 3 and New Republic Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.