Nantahala Bank & Trust Company: how it compares with its peers
Against 11 NC banks with half to twice its assets, Nantahala Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.65% vs. a 3.26% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $7.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 0.88% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.65% | 3.26% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.64% | 76.23% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.9M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.99% | 84.35% | Context |
What it means for lending operations
Its efficiency ratio of 63.64% is better than the 76.23% 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
- First Federal Bank Dunn, NC · $276M
- Taylorsville Savings Bank, SSB Taylorsville, NC · $232M
- Roxboro Savings Bank, SSB Roxboro, NC · $361M
- American Bank of the Carolinas Monroe, NC · $214M
- New Republic Bank Roanoke Rapids, NC · $176M
Questions about Nantahala Bank & Trust Company
How big is Nantahala Bank & Trust Company?
Nantahala Bank & Trust Company, established in 2004, is headquartered in Franklin, NC. It reported $289M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Nantahala Bank & Trust Company's return on assets?
1.47% annualized in Q2 2026, against a 0.88% median for 11 NC banks with half to twice its assets, ahead of 82% of them.
What is Nantahala Bank & Trust Company's efficiency ratio?
63.64% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 76.23%, and lower is better.
Is Nantahala Bank & Trust Company growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 6.7%.
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.