Black Mountain Savings Bank, SSB
Black Mountain, NC
IDRSSD: 444677
Total Assets
$42.36M
Latest filing
Total Deposits
$36.29M
Latest filing
Net Interest Margin
1.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Black Mountain Savings Bank, SSB
200 E State St
Black Mountain, NC 28711
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/04/1923FDIC Certificate 40731
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Black Mountain Savings Bank, SSB (Main) | 200 E State St | Black Mountain, NC | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Jackson Savings Bank, SSB
Sylva, North Carolina
→
Assets: $30.91MΔ -29.2%
Tarboro Savings Bank, SSB
Tarboro, North Carolina
→
Assets: $56.42MΔ +29.2%
First Savings and Loan Association
Mebane, North Carolina
→
Assets: $58.96MΔ +35.0%
Hertford Savings Bank, SSB
Hertford, North Carolina
→
Assets: $18.47MΔ -57.7%
Cedar Hill National Bank
Charlotte, North Carolina
→
Assets: $15.72MΔ -64.0%
Riverside Savings Bank, SSB
Roanoke Rapids, North Carolina
→
Assets: $92.57MΔ +112.0%
Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/04/1923 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 28711 |
| State and County Number | 37021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Asheville, NC |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/14/2025 |
| CERT | 27897 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $42.36M |
| Total Deposits | $36.29M |
| Total Liabilities | $37.27M |
| Total Equity Capital | $5.09M |
| Net Income | $-55,000 |
| Net Loans and Leases | $27.71M |
| Assets Per Employee ($Millions) | $8.47M |
| Bank Premises and Fixed Assets | $162.00k |
| Cash and Balances due from Depository Institutions | $13.21M |
| Deposits Held in Domestic Offices | $36.29M |
Key Performance Ratios
| Return on Assets (ROA) | -0.51% |
| Return on Equity (ROE) | -4.3% |
| Net Interest Margin | 1.98% |
| Efficiency Ratio | 126.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.015% |
| Earning Assets to total Assets | 96.32% |
Income and Expense
| Total Interest Income | $436.00k |
| Total Noninterest Income | $6.00k |
| Total Interest Expense | $231.00k |
| Total Noninterest Expense | $266.00k |
| Net Interest Income | $205.00k |
| Pre-tax Net Operating Income | $-55,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $55.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $984.00k |
| Total Liabilities and Capital | $42.36M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Black Mountain Savings Bank, SSB?
$42.36M as of the latest filing.
How much are Black Mountain Savings Bank, SSB's total deposits?
$36.29M in total deposits.
Where is Black Mountain Savings Bank, SSB located?
Black Mountain, NC.
What is the Net Interest Margin?
1.98%.
How many domestic offices does it operate?
1.
When was it established?
04/04/1923.
What is the Return on Assets (ROA)?
-0.51%.
How much are total loans and leases?
$27.71M (latest filing).
What is the total interest income (latest filing)?
$436.00k.