🏦Bank Scorer

MORGANTON SAVINGS BANK, S.S.B.

MORGANTON, NC · Supervised by FDIC

Est. 1903FDIC #30,434RSSD: FDIC-30434
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.20%

Is this bank safe?

MORGANTON SAVINGS BANK, S.S.B. holds a Satisfactory CRA rating (2025), and meets basic financial requirements (ROA +0.20%).

Institution Profile

FDIC BankFind

Address

100 S King St, MORGANTON, NC

County

Burke County

Established

January 1, 1903

Total Assets

$109M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$109M

Total Deposits

$72M

Net Loans

$64M

Net Income

$53K

ROA

0.20%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.74%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.20%Peer avg: 0.44%▼ Below avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate2.35%Peer avg: 6.90%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$71M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20198580%2.35%
20185388.68%0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
May 2025SatisfactorySmall Bank
Nov 2018SatisfactorySmall Bank
Jul 2013SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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