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Lumbee Guaranty Bank

Pembroke, NC · Cert 20568

State charter, non-member · FDIC · 14 branches

Q2 2026

$583.5MAssets
$242.0MLoans
$490.4MDeposits
$52.1MEquity
Loan mix
89%RE $168.5M8%C&I $14.6M3%Consumer $6.5MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $331.3M32%Noninterest $159.1MQ2 2025Q2 2026

NIM

4.06%Q2 ’244.04%Q2 ’254.03%Q2 ’26+2%+1%

Non-interest income vs. expense

2.43%Q2 ’242.59%Q2 ’252.40%Q2 ’26+12%-7%

Market Position · Fayetteville, NC · 2026 SOD (annual) · 0.9% share · #12 of 14 inst. · $0.0B of $5.0B

30.7% Robeson
0.7% Cumberland
7.0% Hoke

Executive Summary

  • Earnings: ROA of 0.84%, up 9 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.37% of loans (-34 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.71%, down 77 bps from a year ago.
  • Funding: loans stand at 49.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.84%+9 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+4 bps YoY

Efficiency Ratio (quarter, annualized)

71.08%-522 bps YoY

Tier 1 Leverage Ratio

10.71%-77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.84%0.81%0.82%0.84%+9 bps
Return on Equity8.04%9.01%8.63%8.92%9.23%+119 bps
Net Interest Margin2.74%2.82%2.72%2.75%2.78%+4 bps
Efficiency Ratio76.30%71.27%74.33%72.04%71.08%-522 bps
Non-Interest Burden1.93%1.83%1.87%1.81%1.80%-13 bps
Growth
Asset Growth (YoY)1.08%3.22%7.98%10.10%11.61%+1,053 bps
Loan Growth (YoY)9.57%6.27%5.48%6.88%8.14%-143 bps
Deposit Growth (YoY)0.72%4.02%6.49%9.15%5.12%+440 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.56%0.26%0.33%0.37%-34 bps
Net Charge-Offs / Loans0.01%0.00%0.18%0.01%0.00%-1 bps
Allowance / Loans0.62%0.61%0.52%0.51%0.52%-10 bps
Allowance Coverage of NPLs0.9x1.1x2.0x1.6x1.4x+0.5x
Capital
Tier 1 Leverage Ratio11.48%11.39%10.90%10.93%10.71%-77 bps
Total Risk-Based Capital11.48%11.39%10.90%10.93%10.71%-77 bps
Equity / Assets9.22%9.47%9.21%9.29%8.93%-28 bps
Liquidity & Funding
Loans / Deposits47.98%46.53%46.32%47.35%49.35%+137 bps
Liquid Assets / Assets30.54%29.02%30.73%30.00%26.17%-436 bps
CRE / Total Capitaln/a190.56%185.25%177.80%n/an/a