Side-by-side · Q2 2026 data
Roxboro Savings Bank, SSB vs Carter Bank & Trust
Metric by metric
| Measure | Roxboro Savings Bank, SSB | Carter Bank & Trust |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 96 (stronger) | 66 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 82 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 95th | 80th |
| Total assets | $360.7M | $4.8B |
| Deposits / shares | $292.8M | $4.2B |
| Capital ratio | 18.97% (stronger) | 11.73% |
| Problem loans | 0.13% (stronger) | 1.01% |
| Net charge-offs | 0.00% | -0.82% (stronger) |
| Return on assets | 1.18% | 3.66% (stronger) |
| Loans ÷ deposits | 71.9% (stronger) | 87.7% |
| Uninsured deposits | 20.3% | 17.7% (stronger) |
| Offices | 2 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | 28.0% |
Roxboro Savings Bank, SSB has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Roxboro Savings Bank, SSB leads on 4 and Carter Bank & Trust on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.