First Federal Savings Bank of Lincolnton
Lincolnton, NC · Cert 30315 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 4 branches
Q2 2026
$485.8MAssets
$354.0MLoans
$390.3MDeposits
$82.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets (rank 74 of 629).
- Widest gap: return on equity trails 85% of banks under $1B in assets (rank 532 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.53%
Rank 498 of 629
Net Interest Margin
2.91%
Rank 499 of 629
Efficiency Ratio
77.56%
Rank 453 of 629
Equity / Assets
16.93%
Rank 109 of 629
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 28% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.60% | 1.01% | 1.45% | Beats 21% | 498 / 629 | | |
| Return on Equity | 3.11% | 5.38% | 9.30% | 13.28% | Beats 15% | 532 / 629 | | |
| Net Interest Margin | 2.91% | 3.03% | 3.54% | 4.05% | Beats 21% | 499 / 629 | | |
| Efficiency Ratio | 77.56% | 58.35% | 67.79% | 79.08% | Beats 28% | 453 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.46% | 1.20% | Beats 50% | 291 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 39% | 358 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 34.30% | 11.24% | 13.84% | 18.77% | Beats 88% | 74 / 629 | | |
| Total Risk-Based Capital Ratio | 35.55% | 11.58% | 14.43% | 19.66% | Beats 88% | 74 / 629 | | |
| Equity / Assets | 16.93% | 9.09% | 10.65% | 13.80% | Beats 83% | 109 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.69% | 67.24% | 80.90% | 93.48% | 71st pctl | 174 / 594 | | |
| Loans / Assets | 72.88% | 53.31% | 67.71% | 78.15% | 60th pctl | 249 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |