Roxboro Savings Bank, SSB: how it compares with its peers
Against 12 NC banks with half to twice its assets, Roxboro Savings Bank, SSB's strongest measure in Q2 2026 is efficiency ratio (52.28% vs. a 67.60% peer median). Its weakest relative measure is net interest margin (3.32% vs. 3.51%).
| Measure | Roxboro Savings Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.01% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 3.51% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.28% | 67.60% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $6.9M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.86% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 52.28% is better than the 67.60% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Nantahala Bank & Trust Company Franklin, NC · $289M
- First Federal Bank Dunn, NC · $276M
- Mechanics & Farmers Bank Durham, NC · $476M
- First Federal Savings Bank of Lincolnton Lincolnton, NC · $486M
- Taylorsville Savings Bank, SSB Taylorsville, NC · $232M
Questions about Roxboro Savings Bank, SSB
How big is Roxboro Savings Bank, SSB?
Roxboro Savings Bank, SSB, established in 1923, is headquartered in Roxboro, NC. It reported $361M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Roxboro Savings Bank, SSB's return on assets?
1.18% annualized in Q2 2026, against a 1.01% median for 12 NC banks with half to twice its assets, ahead of 58% of them.
What is Roxboro Savings Bank, SSB's efficiency ratio?
52.28% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 67.60%, and lower is better.
Is Roxboro Savings Bank, SSB growing its loans?
Net loans grew 14.8% over the year to Q2 2026, while deposits grew 6.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.