Morganton Savings Bank, S.S.B.
Morganton, NC
IDRSSD: 332671
Total Assets
$107.42M
Latest filing
Total Deposits
$70.49M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Morganton Savings Bank, S.S.B.
100 S King St
Morganton, NC 28655
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1903FDIC Certificate 43268
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Morganton Savings Bank, S.S.B. (Main) | 100 S King St | Morganton, NC | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 28655 |
| State and County Number | 37023 |
| 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 | Hickory-Lenoir-Morganton, NC |
Operational Info
| Number of Employees | 10 |
| 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 | www.morgantonsavings.com |
| Data Updated | 01/30/2026 |
| CERT | 30434 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $107.42M |
| Total Deposits | $70.49M |
| Total Liabilities | $78.84M |
| Total Equity Capital | $28.59M |
| Net Income | $-119,000 |
| Net Loans and Leases | $63.95M |
| Assets Per Employee ($Millions) | $9.77M |
| Bank Premises and Fixed Assets | $3.08M |
| Cash and Balances due from Depository Institutions | $23.46M |
| Deposits Held in Domestic Offices | $70.49M |
Key Performance Ratios
| Return on Assets (ROA) | -0.44% |
| Return on Equity (ROE) | -1.65% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 122.06% |
| 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 | 26.61% |
| Earning Assets to total Assets | 86.41% |
Income and Expense
| Total Interest Income | $1.13M |
| Total Noninterest Income | $-124,000 |
| Total Interest Expense | $253.00k |
| Total Noninterest Expense | $924.00k |
| Net Interest Income | $881.00k |
| Pre-tax Net Operating Income | $-167,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.35M |
| Total Liabilities and Capital | $107.42M |
Securities
| Securities | $8.05M |
| Available-for-sale debt securities | $8.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Morganton Savings Bank, S.S.B.?
$107.42M as of the latest filing.
How much are Morganton Savings Bank, S.S.B.'s total deposits?
$70.49M in total deposits.
Where is Morganton Savings Bank, S.S.B. located?
Morganton, NC.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
-0.44%.
How much are total loans and leases?
$63.95M (latest filing).
What is the total interest income (latest filing)?
$1.13M.