Lumbee Guaranty Bank
Pembroke, NC · Cert 20568 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 14 branches
Q2 2026
$583.5MAssets
$242.0MLoans
$490.4MDeposits
$52.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 68% of banks under $1B in assets operating in a single state (rank 242 of 743).
- Widest gap: net interest margin trails 90% of banks under $1B in assets operating in a single state (rank 674 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 516 of 746
Net Interest Margin
2.73%
Rank 674 of 746
Efficiency Ratio
71.55%
Rank 500 of 746
Equity / Assets
8.93%
Rank 554 of 746
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.72% | 1.06% | 1.45% | Beats 31% | 516 / 746 | |
| Return on Equity | 9.04% | 6.74% | 10.51% | 13.63% | Beats 40% | 445 / 746 | |
| Net Interest Margin | 2.73% | 3.17% | 3.68% | 4.16% | Beats 10% | 674 / 746 | |
| Efficiency Ratio | 71.55% | 55.74% | 64.58% | 75.47% | Beats 33% | 500 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 54% | 340 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.71% | 11.55% | 13.75% | 17.60% | Beats 16% | 626 / 746 | |
| Total Risk-Based Capital Ratio | 10.71% | 11.71% | 14.33% | 18.43% | Beats 15% | 635 / 746 | |
| Equity / Assets | 8.93% | 8.90% | 10.51% | 13.06% | Beats 26% | 554 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 49.35% | 61.31% | 78.27% | 90.78% | 12th pctl | 653 / 746 | |
| Loans / Assets | 41.48% | 53.60% | 66.97% | 76.08% | 11th pctl | 664 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |