Side-by-side · Q2 2026 data
Roxboro Savings Bank, SSB 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 | Roxboro Savings Bank, SSB | First Federal Savings Bank of Lincolnton |
|---|---|---|
| TellerScore | 90 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 96 (stronger) | 85 |
| Earnings | 67 (stronger) | 41 |
| Funding & liquidity | 82 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 95th | 75th |
| Total assets | $360.7M | $485.8M |
| Deposits / shares | $292.8M | $390.3M |
| Capital ratio | 18.97% (stronger) | 17.61% |
| Problem loans | 0.13% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.18% (stronger) | 0.53% |
| Loans ÷ deposits | 71.9% (stronger) | 89.8% |
| Uninsured deposits | 20.3% | 16.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | 12.2% |
Roxboro Savings Bank, SSB has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Roxboro Savings Bank, SSB leads on 6 and First Federal Savings Bank of Lincolnton on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.