Side-by-side · Q2 2026 data
Peoples 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 | Peoples Bank | First Federal Savings Bank of Lincolnton |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 67 (stronger) | 41 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 77th | 75th |
| Total assets | $1.8B | $485.8M |
| Deposits / shares | $1.6B | $390.3M |
| Capital ratio | 11.50% | 17.61% (stronger) |
| Problem loans | 0.41% (stronger) | 0.46% |
| Net charge-offs | 0.03% (stronger) | 0.04% |
| Return on assets | 1.18% (stronger) | 0.53% |
| Loans ÷ deposits | 81.0% (stronger) | 89.8% |
| Uninsured deposits | 21.5% | 16.1% (stronger) |
| Offices | 16 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.4% | 12.2% |
First Federal Savings Bank of Lincolnton has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Peoples 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.