Lifestore Bank
West Jefferson, NC · Cert 31217 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Asheco MHC Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$491.3MAssets
$324.8MLoans
$429.7MDeposits
$55.9MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 81% of banks under $1B in assets operating in a single state (rank 145 of 746).
- Widest gap: nonperforming loans / loans trails 76% of banks under $1B in assets operating in a single state (rank 568 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.15%
Rank 324 of 746
Net Interest Margin
3.50%
Rank 448 of 746
Efficiency Ratio
60.96%
Rank 296 of 746
Equity / Assets
11.37%
Rank 291 of 746
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 60% 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 | 1.15% | 0.72% | 1.06% | 1.45% | Beats 57% | 324 / 746 | |
| Return on Equity | 10.16% | 6.74% | 10.51% | 13.63% | Beats 47% | 392 / 746 | |
| Net Interest Margin | 3.50% | 3.17% | 3.68% | 4.16% | Beats 40% | 448 / 746 | |
| Efficiency Ratio | 60.96% | 55.74% | 64.58% | 75.47% | Beats 60% | 296 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.07% | Beats 24% | 568 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 530 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.65% | 11.55% | 13.75% | 17.60% | Beats 80% | 152 / 746 | |
| Total Risk-Based Capital Ratio | 19.90% | 11.71% | 14.33% | 18.43% | Beats 81% | 145 / 746 | |
| Equity / Assets | 11.37% | 8.90% | 10.51% | 13.06% | Beats 61% | 291 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 75.59% | 61.31% | 78.27% | 90.78% | 45th pctl | 412 / 746 | |
| Loans / Assets | 66.10% | 53.60% | 66.97% | 76.08% | 48th pctl | 389 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |