First Federal Savings Bank of Lincolnton
Lincolnton, NC · Cert 30315 · Peer group: banks under $1B in assets (n=573-620)
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 89% of banks under $1B in assets (rank 70 of 620).
- Widest gap: return on equity trails 85% of banks under $1B in assets (rank 524 of 620).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.53%
Rank 491 of 620
Net Interest Margin
2.91%
Rank 490 of 620
Efficiency Ratio
77.56%
Rank 444 of 620
Equity / Assets
16.93%
Rank 105 of 620
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 29% 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% | 1.00% | 1.45% | Beats 21% | 491 / 620 | | |
| Return on Equity | 3.11% | 5.30% | 9.30% | 13.29% | Beats 15% | 524 / 620 | | |
| Net Interest Margin | 2.91% | 3.02% | 3.53% | 4.04% | Beats 21% | 490 / 620 | | |
| Efficiency Ratio | 77.56% | 58.35% | 68.08% | 79.37% | Beats 29% | 444 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.47% | 1.27% | Beats 51% | 281 / 573 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 37% | 363 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 34.30% | 11.27% | 13.87% | 18.78% | Beats 89% | 70 / 620 | | |
| Total Risk-Based Capital Ratio | 35.55% | 11.69% | 14.57% | 19.67% | Beats 89% | 70 / 620 | | |
| Equity / Assets | 16.93% | 9.03% | 10.60% | 13.73% | Beats 83% | 105 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.69% | 65.08% | 79.69% | 92.47% | 72nd pctl | 164 / 585 | | |
| Loans / Assets | 72.88% | 51.85% | 67.17% | 77.86% | 62nd pctl | 237 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |