First Federal Savings Bank of Lincolnton: how it compares with its peers
Against 10 NC banks with half to twice its assets, First Federal Savings Bank of Lincolnton's strongest measure in Q2 2026 is assets per employee ($10.3M vs. a $7.2M peer median). Its weakest relative measure is return on assets (0.53% vs. 1.16%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.53% | 1.16% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.07% | 3.87% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.56% | 62.89% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.3M | $7.2M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.78% | 77.37% | Context |
What it means for lending operations
Its efficiency ratio of 77.56% is above the 62.89% 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
- LifeStore Bank West Jefferson, NC · $491M
- Mechanics & Farmers Bank Durham, NC · $476M
- Triad Business Bank Greensboro, NC · $536M
- Lumbee Guaranty Bank Pembroke, NC · $583M
- Roxboro Savings Bank, SSB Roxboro, NC · $361M
- BlueHarbor Bank Mooresville, NC · $628M
Questions about First Federal Savings Bank of Lincolnton
How big is First Federal Savings Bank of Lincolnton?
First Federal Savings Bank of Lincolnton, established in 1940, is headquartered in Lincolnton, NC. It reported $486M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Federal Savings Bank of Lincolnton's return on assets?
0.53% annualized in Q2 2026, against a 1.16% median for 10 NC banks with half to twice its assets, ahead of 20% of them.
What is First Federal Savings Bank of Lincolnton's efficiency ratio?
77.56% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 62.89%, and lower is better.
Is First Federal Savings Bank of Lincolnton growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits shrank 1.1%.
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.