TellerScore

First Federal Savings Bank of Lincolnton (FDIC certificate #30315) is based in Lincolnton, North Carolina. Its Q2 2026 call report shows $485.8M in total assets and $390.3M in deposits and 4 offices.

Based on its Q2 2026 filing, First Federal Savings Bank of Lincolnton scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 11th. Its strongest component is capital cushion (100/100; 17.61%), and its lowest is earnings (41/100; 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.61%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.46%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 89.8% · 16.1% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (83 → 79), mostly because the loan quality component weakened by 8 points.

TellerScore
798183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202481
Q1 202582
Q2 202583
Q3 202582
Q4 202582
Q1 202682
Q2 202679
Tier 1 leverage ratio
5.00%11.37%17.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.45%
Q3 202417.51%
Q4 202417.29%
Q1 202517.25%
Q2 202517.23%
Q3 202517.59%
Q4 202517.70%
Q1 202617.75%
Q2 202617.61%
Noncurrent loans
0.20%0.33%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.37%
Q4 20240.27%
Q1 20250.22%
Q2 20250.20%
Q3 20250.34%
Q4 20250.26%
Q1 20260.32%
Q2 20260.46%
Return on assets
0.47%0.59%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.52%
Q4 20240.47%
Q1 20250.51%
Q2 20250.67%
Q3 20250.71%
Q4 20250.67%
Q1 20260.65%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$485.8M17.61%0.46%0.53%89.8%
Q1 202682$478.4M17.75%0.32%0.65%90.2%
Q4 202582$477.0M17.70%0.26%0.67%90.8%
Q3 202582$472.4M17.59%0.34%0.71%91.1%
Q2 202583$485.9M17.23%0.20%0.67%87.6%
Q1 202582$481.7M17.25%0.22%0.51%88.3%
Q4 202481$472.0M17.29%0.27%0.47%89.5%
Q3 202480$462.6M17.51%0.37%0.52%90.6%
Q2 202480$463.3M17.45%0.36%0.51%86.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.61%
94th
Total risk-based capital35.55%
98th
Problem loans0.46%
47th
Net charge-offs0.04%
29th
Return on assets0.53%
13th
Net interest margin3.07%
12th
Efficiency ratio77.6%
17th
Loans to deposits89.8%
27th
Uninsured deposits16.1%
79th
Loan-loss reserves1.01%
27th
Texas ratio2.1%
57th

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
LifeStore BankBank West Jefferson, NC71 out of 100, Strong$491.3M11.9%1.11%vs
Mechanics & Farmers BankBank Durham, NC64 out of 100, Moderate$476.0M15.1%2.39%vs
Triad Business BankBank Greensboro, NC52 out of 100, Below average$536.0M10.9%1.38%vs
Lumbee Guaranty BankBank Pembroke, NC74 out of 100, Strong$583.5M10.7%0.37%vs
Roxboro Savings Bank, SSBBank Roxboro, NC90 out of 100, Very strong$360.7M19.0%0.13%vs
BlueHarbor BankBank Mooresville, NC82 out of 100, Strong$628.4M11.8%0.00%vs

Deposit insurance

Is my money safe at First Federal Savings Bank of Lincolnton?

Yes. First Federal Savings Bank of Lincolnton is an FDIC-insured institution (FDIC certificate #30315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.1% of deposits ($62.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 17.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.55% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Federal Savings Bank of Lincolnton lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Federal Savings Bank of Lincolnton reported 173 home-loan applications under HMDA (LEI 549300EGTMFOWQOCQM74): 132 originated ($41,160,000 total), 20 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Federal Savings Bank of Lincolnton
Former names
First Federal Savings and Loan Association of Lincolnton; First Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
30315
RSSD ID
42372
Primary regulator
OCC
Established
January 1, 1940
Headquarters
320 E Main St, Lincolnton, NC 28092
Employees
47

Quick answers

First Federal Savings Bank of Lincolnton: common questions

Is First Federal Savings Bank of Lincolnton FDIC insured?

Yes. First Federal Savings Bank of Lincolnton is an FDIC-insured institution (FDIC certificate #30315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings Bank of Lincolnton's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Federal Savings Bank of Lincolnton ever failed?

There is no failure record for FDIC certificate #30315 in the FDIC failed bank list.

How many branches does First Federal Savings Bank of Lincolnton have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lincolnton

InstitutionScoreAssetsCapitalProblem loansCompare
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
Cs Credit UnionCredit union Catawba, NC84 out of 100, Strong$30.5M18.7%0.46%vs
BlueHarbor BankBank Mooresville, NC82 out of 100, Strong$628.4M11.8%0.00%vs
Nova Credit UnionCredit union Charlotte, NC79 out of 100, Strong$120.7M17.6%0.56%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs