Lumbee Guaranty Bank: how it compares with its peers
Against 9 NC banks with half to twice its assets, Lumbee Guaranty Bank's strongest measure in Q2 2026 is return on assets (0.83% vs. a 1.18% peer median). Its weakest relative measure is net interest margin (3.00% vs. 3.98%).
| Measure | Lumbee Guaranty Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.18% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.00% | 3.98% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.55% | 60.96% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $8.7M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.10% | 85.41% | Context |
What it means for lending operations
Its efficiency ratio of 71.55% is above the 60.96% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BlueHarbor Bank Mooresville, NC · $628M
- Triad Business Bank Greensboro, NC · $536M
- Bank of Oak Ridge Oak Ridge, NC · $658M
- LifeStore Bank West Jefferson, NC · $491M
- First Federal Savings Bank of Lincolnton Lincolnton, NC · $486M
- Mechanics & Farmers Bank Durham, NC · $476M
Questions about Lumbee Guaranty Bank
How big is Lumbee Guaranty Bank?
Lumbee Guaranty Bank, established in 1971, is headquartered in Pembroke, NC. It reported $583M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Lumbee Guaranty Bank's return on assets?
0.83% annualized in Q2 2026, against a 1.18% median for 9 NC banks with half to twice its assets, ahead of 33% of them.
What is Lumbee Guaranty Bank's efficiency ratio?
71.55% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 60.96%, and lower is better.
Is Lumbee Guaranty Bank growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits grew 5.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.