Side-by-side · Q2 2026 data
TruPoint Bank vs Black Mountain Savings Bank, SSB
Bank
Black Mountain Savings Bank, SSB
Black Mountain, North Carolina · Under $100 million in assets
Metric by metric
| Measure | TruPoint Bank | Black Mountain Savings Bank, SSB |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 56 | 70 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 65 (stronger) | 12 |
| Funding & liquidity | 80 | 86 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 42nd |
| Total assets | $690.8M | $43.0M |
| Deposits / shares | $593.7M | $37.7M |
| Capital ratio | 10.60% | 11.99% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 1.12% (stronger) | -0.21% |
| Loans ÷ deposits | 77.7% | 74.7% (stronger) |
| Uninsured deposits | 17.1% | 10.1% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | — |
TruPoint Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), TruPoint Bank leads on 3 and Black Mountain Savings Bank, SSB on 4. 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.