BlastPoint's Banking Scorecard
Lumbee Guaranty Bank
Community
Specialty: Other
NC
FDIC cert 20568
Pembroke, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Lumbee Guaranty Bank shows strong momentum with 1 strength and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 36.98% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$561.4M
+8.0% YoY
+4.0% QoQ
|
-$830.1M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$228.7M
+5.6% YoY
+1.9% QoQ
|
-$746.7M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$496.4M
+6.5% YoY
+2.3% QoQ
|
-$668.2M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.78%
+5.3% YoY
+0.9% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.94%
+2.3% YoY
+0.0% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
74.09%
-0.1% YoY
+0.1% QoQ
|
+11.46% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.26%
-29.8% YoY
-54.0% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
46.08%
-0.8% YoY
-0.4% QoQ
|
-36.98% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.62%
-8.7% YoY
-8.3% QoQ
|
+7.58% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.11%
-35.1% YoY
-54.9% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.60%
-6.2% YoY
+28.6% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
46.08%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 46.08% · Tier avg: 83.06%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.62% · Tier avg: 21.05%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 74.09% · Tier avg: 62.63%
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
13
13th pctile
Total Deposits
Current: $496.4M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $561.4M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $228.7M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $228.7M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $561.4M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $496.4M · Tier avg: $1.2B
15
15th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.66%
19
19th pctile
Efficiency Ratio
Current: 74.09% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.62% · Tier avg: 21.05%
97
97th pctile
Loan-to-Deposit Ratio
Current: 46.08% · Tier avg: 83.06%