Roxboro Savings Bank, SSB

Roxboro Savings Bank, SSB is headquartered in Roxboro and is the 59^th largest bank in the state of North Carolina. It is also the 3,123^rd largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 30 employees at 2 locations. Roxboro Savings Bank, SSB's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

Roxboro Savings Bank, SSB Routing Number: 253171294

Roxboro Savings Bank, SSB Checking Account Rates

Roxboro Savings Bank, SSB Savings Account Rates

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Data for Q1 2012

Institution Statistics Roxboro Savings Bank, SSB FDIC Certificate # 28471 BankRate Report View Year Established 1923 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $199.46 million Loans $96.87 million Deposits $144.23 million Equity Capital $32.56 million Loan Loss Allowance $930,000 Unbacked Noncurrent Loans $2.12 million Historic Data - March 2011 Assets $183.42 million Equity Capital $29.60 million Loan Loss Allowance $867,000 Unbacked Noncurrent Loans $1.55 million Profit Margin - Quarterly Net Interest Margin 3% Return on Assets 0.99% Return on Equity 6.06% Interest Income $1.78 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Roxboro Savings Bank, SSB had $2.12 million in non-current loans and owned real-estate with $33.49 million in equity and loan loss allowances on hand to cover it. This gives Roxboro Savings Bank, SSB a Texas Ratio of 6.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Roxboro Savings Bank, SSB held steady from 5.10% as of March 31, 2011 to 6.34% as of March 31, 2012, resulting in a negative change of 24.31%. This indicates that the balance sheet and financial strength for Roxboro Savings Bank, SSB has held steady in recent periods. Deposit Growth In the past year, Roxboro Savings Bank, SSB has increased its total deposits by $10.2 million, resulting in 7.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Roxboro Savings Bank, SSB has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Roxboro Savings Bank, SSB has $199.46 million in assets with $33.49 million in equity, resulting in a capitalization level of 16.79%, which is excellent.

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