Side-by-side · Q2 2026 data
First Bank vs Lumbee Guaranty Bank
Metric by metric
| Measure | First Bank | Lumbee Guaranty Bank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 65 (stronger) | 57 |
| Loan quality | 84 | 88 (stronger) |
| Earnings | 83 (stronger) | 53 |
| Funding & liquidity | 51 | 98 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 87th | 57th |
| Total assets | $13.0B | $583.5M |
| Deposits / shares | $11.1B | $490.4M |
| Capital ratio | 11.50% (stronger) | 10.71% |
| Problem loans | 0.49% | 0.37% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.56% (stronger) | 0.83% |
| Loans ÷ deposits | 80.0% | 49.1% (stronger) |
| Uninsured deposits | 41.0% | 17.4% (stronger) |
| Offices | 111 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Bank leads on 2 and Lumbee Guaranty Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lumberton, NC
- Fayetteville, NC
- Pembroke, NC
- Fairmont, NC