Lifestore Bank
West Jefferson, NC · Cert 31217 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 80% of banks under $1B in assets operating in a single state (rank 152 of 755).
- Widest gap: nonperforming loans / loans trails 77% of banks under $1B in assets operating in a single state (rank 576 of 751).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.15%
Rank 324 of 755
Net Interest Margin
3.50%
Rank 449 of 755
Efficiency Ratio
60.96%
Rank 299 of 755
Equity / Assets
11.37%
Rank 302 of 755
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.72% | 1.06% | 1.45% | Beats 57% | 324 / 755 | | |
| Return on Equity | 10.16% | 6.66% | 10.44% | 13.61% | Beats 48% | 394 / 755 | | |
| Net Interest Margin | 3.50% | 3.15% | 3.68% | 4.17% | Beats 41% | 449 / 755 | | |
| Efficiency Ratio | 60.96% | 55.75% | 64.78% | 75.61% | Beats 61% | 299 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.05% | Beats 23% | 576 / 751 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 526 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 18.65% | 11.56% | 13.81% | 17.74% | Beats 79% | 160 / 755 | | |
| Total Risk-Based Capital Ratio | 19.90% | 11.72% | 14.46% | 18.53% | Beats 80% | 152 / 755 | | |
| Equity / Assets | 11.37% | 8.93% | 10.56% | 13.13% | Beats 60% | 302 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.59% | 62.43% | 78.62% | 91.00% | 44th pctl | 425 / 755 | | |
| Loans / Assets | 66.10% | 54.70% | 67.27% | 76.55% | 47th pctl | 402 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |