Morganton Savings Bank, S.S.B. is a bank based in Morganton, North Carolina, established in 1903, with $109 million in total assets across 1 branch. By Trust Grade it ranks 22nd of 38 banks we track in North Carolina. Its capital ratio of 26.2% is stronger than 99% of similarly sized banks, versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 0.20% return on assets. No consumer complaints against Morganton Savings Bank, S.S.B. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Morganton Savings Bank, S.S.B. compares to North Carolina peers
How we graded Morganton Savings Bank, S.S.B.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (26.2% capital ratio)
- Profitable (ROA 0.20%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Morganton Savings Bank, S.S.B. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 100 S King St, Morganton, NC 28655
Are deposits at Morganton Savings Bank, S.S.B. insured?
Yes. Morganton Savings Bank, S.S.B. is an FDIC-insured bank (FDIC certificate #30434). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Morganton Savings Bank, S.S.B.: frequently asked questions
Is Morganton Savings Bank, S.S.B. a good bank?
Morganton Savings Bank, S.S.B. earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (26.2% capital ratio); Profitable (ROA 0.20%).
Is Morganton Savings Bank, S.S.B. FDIC-insured?
Yes. Morganton Savings Bank, S.S.B. is a FDIC-insured bank (FDIC certificate #30434). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Morganton Savings Bank, S.S.B.?
Morganton Savings Bank, S.S.B. holds $109 million in total assets, ranking 22nd of 38 banks we track in North Carolina. It operates 1 branch.
Does Morganton Savings Bank, S.S.B. have CFPB complaints?
No CFPB complaints against Morganton Savings Bank, S.S.B. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
