Side-by-side · Q2 2026 data
First Federal Savings Bank of Lincolnton vs BlueHarbor Bank
Bank
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings Bank of Lincolnton | BlueHarbor Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 41 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 41 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 75th | 82nd |
| Total assets | $485.8M | $628.4M |
| Deposits / shares | $390.3M | $551.2M |
| Capital ratio | 17.61% (stronger) | 11.78% |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 0.53% | 2.21% (stronger) |
| Loans ÷ deposits | 89.8% (stronger) | 96.5% |
| Uninsured deposits | 16.1% (stronger) | 35.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
BlueHarbor Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank of Lincolnton leads on 3 and BlueHarbor Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.