Nantahala Bank & Trust Company
Franklin, NC
IDRSSD: 3285778
Total Assets
$280.45M
Latest filing
Total Deposits
$255.04M
Latest filing
Net Interest Margin
4.53%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Nantahala Bank & Trust Company
120 Siler Rd
Franklin, NC 28734
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/04/2004FDIC Certificate 424604
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Nantahala Bank & Trust Company (Main) | 120 Siler Rd | Franklin, NC |
| HAYESVILLE BRANCH | 102 Hwy 64 E | Hayesville, NC |
| MURPHY BRANCH | 86 Hiwassee St | Murphy, NC |
Showing 2 of 2
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/04/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 28734 |
| State and County Number | 37113 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 3 |
| 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 | 10/04/2004 |
| Primary Insurance Agency | DIF |
| Website | www.nantahalabank.com |
| Data Updated | 11/14/2025 |
| CERT | 57784 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $280.45M |
| Total Deposits | $255.04M |
| Total Liabilities | $255.94M |
| Total Equity Capital | $24.51M |
| Net Income | $923.00k |
| Net Loans and Leases | $190.79M |
| Assets Per Employee ($Millions) | $4.92M |
| Bank Premises and Fixed Assets | $7.01M |
| Cash and Balances due from Depository Institutions | $25.72M |
| Deposits Held in Domestic Offices | $255.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 15.46% |
| Net Interest Margin | 4.53% |
| Efficiency Ratio | 64.33% |
| Tier 1 Risk-Based Capital Ratio | 12.324% |
| 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 | 8.74% |
| Earning Assets to total Assets | 94.65% |
Income and Expense
| Total Interest Income | $3.80M |
| Total Noninterest Income | $436.00k |
| Total Interest Expense | $864.00k |
| Total Noninterest Expense | $2.17M |
| Net Interest Income | $2.94M |
| Pre-tax Net Operating Income | $1.20M |
| 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 | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $898.00k |
| Total Liabilities and Capital | $280.45M |
Securities
| Securities | $52.25M |
| Available-for-sale debt securities | $24.74M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $27.51M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Nantahala Bank & Trust Company?
$280.45M as of the latest filing.
How much are Nantahala Bank & Trust Company's total deposits?
$255.04M in total deposits.
Where is Nantahala Bank & Trust Company located?
Franklin, NC.
What is the Net Interest Margin?
4.53%.
How many domestic offices does it operate?
3.
When was it established?
10/04/2004.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$190.79M (latest filing).
What is the total interest income (latest filing)?
$3.80M.