TellerScore

Headquartered in Pembroke, North Carolina, Lumbee Guaranty Bank is a state-chartered bank with $583.5M in total assets and $490.4M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1971.

Lumbee Guaranty Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 18th. Funding & liquidity contributes the most (98/100, 49% loans-to-deposits, 17% uninsured); earnings contributes the least (53/100, 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.71%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 49.1% · 17.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.69%

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 rose 2 points (72 → 74), mostly because the loan quality component improved by 12 points.

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202571
Q2 202572
Q3 202573
Q4 202575
Q1 202675
Q2 202674
Tier 1 leverage ratio
5.00%8.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.08%
Q3 202411.03%
Q4 202411.12%
Q1 202511.36%
Q2 202511.48%
Q3 202511.39%
Q4 202510.90%
Q1 202610.93%
Q2 202610.71%
Noncurrent loans
0.26%0.55%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.34%
Q4 20240.37%
Q1 20250.85%
Q2 20250.71%
Q3 20250.56%
Q4 20250.26%
Q1 20260.33%
Q2 20260.37%
Return on assets
0.74%0.82%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.90%
Q3 20240.84%
Q4 20240.74%
Q1 20250.74%
Q2 20250.74%
Q3 20250.77%
Q4 20250.78%
Q1 20260.82%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$583.5M10.71%0.37%0.83%49.1%
Q1 202675$559.6M10.93%0.33%0.82%47.1%
Q4 202575$561.4M10.90%0.26%0.78%46.1%
Q3 202573$539.7M11.39%0.56%0.77%46.3%
Q2 202572$522.8M11.48%0.71%0.74%47.7%
Q1 202571$508.3M11.36%0.85%0.74%48.0%
Q4 202474$519.9M11.12%0.37%0.74%46.5%
Q3 202475$522.9M11.03%0.34%0.84%45.2%
Q2 202475$517.2M11.08%0.36%0.90%43.7%

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 ratio10.71%
45th
Total risk-based capital0.00%
24th
Problem loans0.37%
52nd
Net charge-offs0.00%
54th
Return on assets0.83%
25th
Net interest margin3.00%
10th
Efficiency ratio71.6%
27th
Loans to deposits49.1%
92nd
Uninsured deposits17.4%
74th
Loan-loss reserves0.52%
3rd
Texas ratio1.7%
61st

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
BlueHarbor BankBank Mooresville, NC82 out of 100, Strong$628.4M11.8%0.00%vs
Triad Business BankBank Greensboro, NC52 out of 100, Below average$536.0M10.9%1.38%vs
Bank of Oak RidgeBank Oak Ridge, NC63 out of 100, Moderate$658.1M12.5%1.79%vs
LifeStore BankBank West Jefferson, NC71 out of 100, Strong$491.3M11.9%1.11%vs
First Federal Savings Bank of LincolntonBank Lincolnton, NC79 out of 100, Strong$485.8M17.6%0.46%vs
Mechanics & Farmers BankBank Durham, NC64 out of 100, Moderate$476.0M15.1%2.39%vs

Deposit insurance

Is my money safe at Lumbee Guaranty Bank?

Yes. Lumbee Guaranty Bank is an FDIC-insured institution (FDIC certificate #20568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.4% of deposits ($85.4M) 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 10.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Lumbee Guaranty Bank lists 13 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lumbee Guaranty Bank
Former names
Lumbee Bank
Type
State-chartered bank
FDIC certificate #
20568
RSSD ID
651121
Primary regulator
FDIC
Established
December 22, 1971
Headquarters
403 E 3rd St, Pembroke, NC 28372
Employees
92

Quick answers

Lumbee Guaranty Bank: common questions

Is Lumbee Guaranty Bank FDIC insured?

Yes. Lumbee Guaranty Bank is an FDIC-insured institution (FDIC certificate #20568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lumbee Guaranty Bank's TellerScore?

74 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 Lumbee Guaranty Bank ever failed?

There is no failure record for FDIC certificate #20568 in the FDIC failed bank list.

How many branches does Lumbee Guaranty Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pembroke

InstitutionScoreAssetsCapitalProblem loansCompare
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
Campbell Federal Credit UnionCredit union Maple Shade, NJ69 out of 100, Moderate$138.6M14.3%1.36%vs
Anderson Brothers BankBank Mullins, SC69 out of 100, Moderate$2.4B9.3%0.59%vs