Nantahala Bank & Trust Company is a bank based in Franklin, North Carolina, established in 2004, with $286 million in total assets across 3 branches. By Trust Grade it ranks 17th of 38 banks we track in North Carolina. Its capital ratio of 9.2% trails most similarly sized banks (33th percentile), versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 1.30% return on assets. No consumer complaints against Nantahala Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Nantahala Bank & Trust Company compares to North Carolina peers
How we graded Nantahala Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Strongly profitable (ROA 1.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Nantahala Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 120 Siler Rd, Franklin, NC 28734
- 102 Hwy 64 E, Hayesville, NC 28904
- 86 Hiwassee St, Murphy, NC 28906
Are deposits at Nantahala Bank & Trust Company insured?
Yes. Nantahala Bank & Trust Company is an FDIC-insured bank (FDIC certificate #57784). 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.
Nantahala Bank & Trust Company: frequently asked questions
Is Nantahala Bank & Trust Company a good bank?
Nantahala Bank & Trust Company earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Strongly profitable (ROA 1.30%).
Is Nantahala Bank & Trust Company FDIC-insured?
Yes. Nantahala Bank & Trust Company is a FDIC-insured bank (FDIC certificate #57784). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Nantahala Bank & Trust Company?
Nantahala Bank & Trust Company holds $286 million in total assets, ranking 17th of 38 banks we track in North Carolina. It operates 3 branches.
Does Nantahala Bank & Trust Company have CFPB complaints?
No CFPB complaints against Nantahala Bank & Trust Company 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.
