🏦Bank Scorer

NANTAHALA BANK & TRUST COMPANY

FRANKLIN, NC · Supervised by FDIC

Est. 2004FDIC #57,784RSSD: FDIC-57784
Satisfactory Same

Current rating · Exam: October 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.30%

Is this bank safe?

NANTAHALA BANK & TRUST COMPANY holds a Satisfactory CRA rating (2024), is financially strong (ROA +1.30%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

120 Siler Rd, FRANKLIN, NC

County

Macon County

Established

October 4, 2004

Total Assets

$286M(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

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$286M

Total Deposits

$259M

Net Loans

$194M

Net Income

$916K

ROA

1.30%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.14%

Risk-Based Capital

15.03%

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).

ROA1.30%Peer avg: 0.44%▲ Above avg
Risk-Based Capital15.03%Peer avg: 23.03%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$244M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Oct 2024SatisfactorySmall Bank
Apr 2018SatisfactorySmall Bank
Aug 2012SatisfactorySmall Bank

1 previous rating locked — back to 2007

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/nantahala-bank-and-trust-company"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: