BlastPoint's Banking Scorecard
First Federal Savings Bank of Lincolnton
Micro
Specialty: Mortgage
NC
FDIC cert 30315
Designations: ✓ Community bank ✓ Mutual
Lincolnton, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
First Federal Savings Bank of Lincolnton has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 25.55% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.0M
+1.1% YoY
+1.0% QoQ
|
+$259.5M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$347.8M
+3.3% YoY
+0.6% QoQ
|
+$208.6M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$383.1M
+1.8% YoY
+0.9% QoQ
|
+$199.4M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
0.67%
+42.7% YoY
-4.8% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.99%
+5.6% YoY
+0.6% QoQ
|
-0.86% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
71.31%
-6.3% YoY
+2.5% QoQ
|
+3.58% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.26%
-5.6% YoY
-23.7% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
90.78%
+1.4% YoY
-0.3% QoQ
|
+16.26% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
9.72%
-15.7% YoY
-9.4% QoQ
|
-12.67% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-3.5% YoY
-24.0% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
34.40%
+5.8% YoY
+0.9% QoQ
|
+25.55% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.10%
+4.7% YoY
+45.3% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
34.40%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Tier 1 Capital Ratio
Current: 34.40% · Tier avg: 8.85%
97
97th pctile
Total Loans
Current: $347.8M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $477.0M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $383.1M · Tier avg: $183.7M
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.78% · Tier avg: 74.53%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
37
37th pctile
Efficiency Ratio
Current: 71.31% · Tier avg: 67.73%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.72% · Tier avg: 22.39%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.72% · Tier avg: 22.39%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
37
37th pctile
Efficiency Ratio
Current: 71.31% · Tier avg: 67.73%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.78% · Tier avg: 74.53%
95
95th pctile
Total Deposits
Current: $383.1M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $477.0M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $347.8M · Tier avg: $139.2M
98
98th pctile
Tier 1 Capital Ratio
Current: 34.40% · Tier avg: 8.85%