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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 $6.5MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $331.3M32%Noninterest $159.1MQ3 2024Q2 2026

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 0.83%, up 9 bps year over year; NIM at 2.73%.
  • 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.

Return on Assets (YTD, annualized)

0.83%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+1 bps YoY

Efficiency Ratio (YTD, annualized)

71.55%-389 bps YoY

Tier 1 Leverage Ratio

10.71%-77 bps YoY

NIM

3.97%Q2 ’244.00%Q2 ’253.95%Q2 ’26+3%+0%

Non-interest income vs. expense

2.34%Q2 ’242.54%Q2 ’252.38%Q2 ’26+15%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.74%0.74%0.74%0.77%0.78%0.82%0.83%+9 bps
Return on Equity9.94%8.74%8.21%8.15%8.42%8.50%8.92%9.08%+92 bps
Net Interest Margin2.59%2.66%2.69%2.72%2.71%2.61%2.75%2.73%+1 bps
Efficiency Ratio73.17%74.16%74.57%75.44%74.01%74.09%72.04%71.55%-389 bps
Non-Interest Burden1.73%1.81%1.84%1.89%1.84%1.77%1.81%1.78%-11 bps
Growth
Asset Growth (YoY)5.18%0.05%-1.08%1.08%3.22%7.98%10.10%11.61%+1,053 bps
Loan Growth (YoY)10.33%11.20%11.54%9.57%6.27%5.48%6.88%8.14%-143 bps
Deposit Growth (YoY)4.26%-0.07%-1.48%0.72%4.02%6.49%9.15%5.12%+440 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.37%0.85%0.71%0.56%0.26%0.33%0.37%-34 bps
Net Charge-Offs / Loans0.00%0.00%-0.03%-0.01%-0.01%0.04%0.01%0.00%+2 bps
Allowance / Loans0.73%0.65%0.67%0.62%0.61%0.52%0.51%0.52%-10 bps
Allowance Coverage of NPLs2.1x1.8x0.8x0.9x1.1x2.0x1.6x1.4x+0.5x
Capital
Tier 1 Leverage Ratio11.03%11.12%11.36%11.48%11.39%10.90%10.93%10.71%-77 bps
Total Risk-Based Capital11.03%11.12%11.36%11.48%11.39%10.90%10.93%10.71%-77 bps
Equity / Assets9.10%8.68%9.42%9.22%9.47%9.21%9.29%8.93%-28 bps
Liquidity & Funding
Loans / Deposits45.55%46.76%48.36%47.98%46.53%46.32%47.35%49.35%+137 bps
Liquid Assets / Assets29.91%29.56%29.82%30.54%29.02%30.73%30.00%26.17%-436 bps
CRE / Total Capitaln/an/an/an/a190.56%185.25%177.80%n/an/a