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Lumbee Guaranty Bank

$100M-$1B Specialty: Other NC FDIC cert 20568

Designations: ✓ Minority Depository Institution

Pembroke, NC

14 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

Lumbee Guaranty Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.44% below tier average
  • - Net Interest Margin 0.95% below tier average
  • - Efficiency Ratio 6.75% above tier average
Get updates when Lumbee Guaranty Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $559.6M
+10.1% YoY -0.3% QoQ
+$173.5M $386.1M
+0.5% YoY
$92.4B
+2.4% YoY
$6.2B
+9.1% YoY
77%
Total Loans ? $232.8M
+7.0% YoY +1.8% QoQ
-$22.9M $255.7M
+1.1% YoY
$45.0B
+8.2% YoY
$3.2B
+10.8% YoY
56%
Total Deposits ? $494.1M
+9.2% YoY -0.5% QoQ
+$166.1M $328.0M
+0.1% YoY
$72.8B
+2.6% YoY
$4.8B
+8.2% YoY
79%
Return on Assets ? 0.82%
+11.1% YoY +5.5% QoQ
-0.44% 1.27%
+12.9% YoY
0.99%
+29.5% YoY
1.23%
+13.4% YoY
27%
Net Interest Margin ? 2.98%
+2.4% YoY +1.4% QoQ
-0.95% 3.93%
+6.0% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
Bottom 11.0% in tier
Efficiency Ratio ? 72.04%
-3.4% YoY -2.8% QoQ
+6.75% 65.29%
-4.5% YoY
69.88%
-8.6% YoY
66.95%
-4.1% YoY
28%
Delinquency Rate ? 0.33%
-61.1% YoY +27.9% QoQ
-0.56% 0.89%
+18.8% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
55%
Loan-to-Deposit Ratio ? 47.11%
-1.9% YoY +2.2% QoQ
-29.53% 76.64%
+0.8% YoY
79.67%
+1.0% YoY
76.70%
+0.9% YoY
Top 7.4% in tier
Non-Interest-Bearing Deposit Share ? 30.15%
-4.7% YoY +5.3% QoQ
+8.13% 22.02%
-1.0% YoY
18.50%
+0.3% YoY
22.01%
-1.2% YoY
82%
Nonperforming Asset Ratio ? 0.14%
-62.2% YoY +30.5% QoQ
-0.50% 0.64%
+19.7% YoY
0.45%
+20.5% YoY
0.67%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 10.93%
-3.8% YoY +0.3% QoQ
-4.90% 15.83%
+1.5% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.15%
-6.7% YoY -74.5% QoQ
-0.13% 0.28%
+9.3% YoY
0.21%
+7.3% YoY
0.32%
+4.1% YoY
74%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

198
Loan-to-Deposit Ratio
liquidity
Value: 47.11%
Peer Median: 76.64%
#198 of 2664 Top 7.4% in $100M-$1B
472
Non-Interest-Bearing Deposit Share
funding
Value: 30.15%
Peer Median: 22.02%
#472 of 2664 Top 17.7% in $100M-$1B
562
Total Deposits
size
Value: $494.11M
Peer Median: $327.97M
#562 of 2664 Top 21.1% in $100M-$1B
605
Total Assets
size
Value: $559.62M
Peer Median: $386.08M
#605 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (2 metrics)

2371
Net Interest Margin
profitability
Value: 2.98%
Peer Median: 3.93%
#2371 of 2664 Bottom 11.0% in $100M-$1B
2076
Tier 1 Capital Ratio
capital
Value: 10.93%
Peer Median: 15.83%
#2076 of 2664 Bottom 22.1% in $100M-$1B
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