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First Federal Savings Bank Of Lincolnton
Lincolnton, NC · FDIC Certificate #30315 · Chartered 01/0
Total assets
$485.77M
Total deposits
$390.35M
Total equity
$82.26M
Net loans
$350.45M
Branches (offices)
4
Net income (YTD)
$1.28M
Rank: #1,822 of 4,213 U.S. banks by assets · #22 of 38 in North Carolina. Assets changed -0.0% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.53% |
| Return on equity | 3.13% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 16.93% |
| Tier 1 leverage ratio | 17.61% |
| Uninsured deposits (share of deposits) | 16.1% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 89.8% |
| Real estate loans (share of loans) | 99.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $349.90M | 99.8% | |
| Commercial & industrial | $3.21M | 0.9% | |
| Consumer / individual | $892.00K | 0.3% | |
| Construction & development | $17.40M | 5.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $463.68M | $393.36M | $1.75M | $67.55M |
| Jun 2023 | $432.72M | $359.95M | $2.38M | $70.06M |
| Jun 2024 | $463.33M | $376.43M | $1.16M | $74.05M |
| Jun 2025 | $485.95M | $394.54M | $1.60M | $78.47M |
| Jun 2026 | $485.77M | $390.35M | $1.28M | $82.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $390.35M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $390.35M.
Similar-sized banks
Raccoon Valley Bank ($486.03M) · Osgood Bank ($485.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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