Nantahala Bank & Trust Company
Franklin, NC
IDRSSD: 3285778
Total Assets
$279.95M
Latest filing
Total Deposits
$253.36M
Latest filing
Net Interest Margin
4.59%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053112547FRANKLIN, NC
Key People
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Locations
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Main Office
Nantahala Bank & Trust Company
120 Siler Rd
Franklin, NC 28734
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 57 |
| 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 | 01/30/2026 |
| CERT | 57784 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $279.95M |
| Total Deposits | $253.36M |
| Total Liabilities | $254.41M |
| Total Equity Capital | $25.55M |
| Net Income | $999.00k |
| Net Loans and Leases | $193.40M |
| Assets Per Employee ($Millions) | $5M |
| Bank Premises and Fixed Assets | $6.94M |
| Cash and Balances due from Depository Institutions | $16.16M |
| Deposits Held in Domestic Offices | $253.36M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 15.97% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 64.7% |
| Tier 1 Risk-Based Capital Ratio | 12.743% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.125% |
| Earning Assets to total Assets | 94.02% |
Income and Expense
| Total Interest Income | $3.89M |
| Total Noninterest Income | $502.00k |
| Total Interest Expense | $857.00k |
| Total Noninterest Expense | $2.29M |
| Net Interest Income | $3.03M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $-57,000 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.04M |
| Total Liabilities and Capital | $279.95M |
Securities
| Securities | $56.97M |
| Available-for-sale debt securities | $30.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $26.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Nantahala Bank & Trust Company?
$279.95M as of the latest filing.
How much are Nantahala Bank & Trust Company's total deposits?
$253.36M in total deposits.
Where is Nantahala Bank & Trust Company located?
Franklin, NC.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
3.
When was it established?
10/04/2004.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$193.40M (latest filing).
What is the total interest income (latest filing)?
$3.89M.