Side-by-side · Q2 2026 data
First Federal Savings Bank of Lincolnton vs Morganton Savings Bank, S.S.B.
Bank
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings Bank of Lincolnton | Morganton Savings Bank, S.S.B. |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 85 | 93 (stronger) |
| Earnings | 41 (stronger) | 35 |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 75th | 80th |
| Total assets | $485.8M | $114.5M |
| Deposits / shares | $390.3M | $77.7M |
| Capital ratio | 17.61% | 25.46% (stronger) |
| Problem loans | 0.46% | 0.21% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.53% (stronger) | 0.37% |
| Loans ÷ deposits | 89.8% | 84.7% (stronger) |
| Uninsured deposits | 16.1% (stronger) | 18.3% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Morganton Savings Bank, S.S.B. has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank of Lincolnton leads on 2 and Morganton Savings Bank, S.S.B. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.