Side-by-side · Q2 2026 data
Lumbee Guaranty Bank vs First Federal Savings Bank of Lincolnton
Bank
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Lumbee Guaranty Bank | First Federal Savings Bank of Lincolnton |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 88 (stronger) | 85 |
| Earnings | 53 (stronger) | 41 |
| Funding & liquidity | 98 (stronger) | 69 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 57th | 75th |
| Total assets | $583.5M | $485.8M |
| Deposits / shares | $490.4M | $390.3M |
| Capital ratio | 10.71% | 17.61% (stronger) |
| Problem loans | 0.37% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.83% (stronger) | 0.53% |
| Loans ÷ deposits | 49.1% (stronger) | 89.8% |
| Uninsured deposits | 17.4% | 16.1% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.2% |
First Federal Savings Bank of Lincolnton has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Lumbee Guaranty Bank leads on 4 and First Federal Savings Bank of Lincolnton on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.