TAYLORSVILLE SAVINGS BANK, SSB

TAYLORSVILLE, NC · Supervised by FDIC

Est. 1921FDIC #32,348RSSD: FDIC-32348

Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Is this bank safe?

TAYLORSVILLE SAVINGS BANK, SSB holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.86%).

Institution Profile

FDIC BankFind

Website

www.taylorsvillesavings.com

Address

107 Main Avenue Dr, TAYLORSVILLE, NC

County

Alexander County

Established

April 1, 1921

Total Assets

$222M(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

December 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$222M

Total Deposits

$206M

Net Loans

$172M

Net Income

$469K

ROA

0.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.79%

Risk-Based Capital

14.37%

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).

ROA0.86%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.37%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.04%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$190M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	112	78.57%	8.04%
2023	120	86.67%	5.00%
2022	143	84.62%	6.99%
2019	90	64.44%	12.22%
2018	111	70.27%	17.12%

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2024	Satisfactory	Small Bank
Oct 2018	Satisfactory	Small Bank
Apr 2013	Satisfactory	Small Bank

4 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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