Side-by-side · Q2 2026 data
Mechanics & Farmers 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 | Mechanics & Farmers Bank | First Federal Savings Bank of Lincolnton |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 20 | 85 (stronger) |
| Earnings | 47 (stronger) | 41 |
| Funding & liquidity | 76 (stronger) | 69 |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 26th | 75th |
| Total assets | $476.0M | $485.8M |
| Deposits / shares | $402.2M | $390.3M |
| Capital ratio | 15.10% | 17.61% (stronger) |
| Problem loans | 2.39% | 0.46% (stronger) |
| Net charge-offs | 0.75% | 0.04% (stronger) |
| Return on assets | 0.68% (stronger) | 0.53% |
| Loans ÷ deposits | 67.7% (stronger) | 89.8% |
| Uninsured deposits | 30.2% | 16.1% (stronger) |
| Offices | 7 | 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 64). On the 7 directional measures above (where higher or lower is clearly better), Mechanics & Farmers Bank leads on 2 and First Federal Savings Bank of Lincolnton on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.