BlastPoint's Banking Scorecard
Lumbee Guaranty Bank
Designations: ✓ Minority Depository Institution
Pembroke, NC
14 branches across NC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in NC.
- Deposits +5.1% year over year ($490.4M on the books).
- Delinquency rate 0.37%.
- Return on assets 0.83%.
- Efficiency ratio 71.55% vs a 64.48% peer average.
- Loan-to-deposit ratio 49.10% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lumbee Guaranty Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.99% below tier average
- - ROA 0.49% below tier average
- - Efficiency Ratio 7.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$583.5M
+11.6% YoY
+4.3% QoQ
|
+$196.9M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$240.8M
+8.2% YoY
+3.4% QoQ
|
-$17.6M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$490.4M
+5.1% YoY
-0.8% QoQ
|
+$163.7M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
0.83%
+11.8% YoY
+0.6% QoQ
|
-0.49% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.00%
+2.8% YoY
+0.5% QoQ
|
-0.99% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio ? |
71.55%
-5.2% YoY
-0.7% QoQ
|
+7.07% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.37%
-47.8% YoY
+12.6% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
49.10%
+3.0% YoY
+4.2% QoQ
|
-28.86% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 7.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.43%
+4.4% YoY
+7.6% QoQ
|
+10.40% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 13.5% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-49.3% YoY
+11.7% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
10.71%
-6.7% YoY
-2.0% QoQ
|
-5.20% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.30%
-7.6% YoY
+94.6% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.4%
+1.4pp YoY +2.3pp QoQ |
+10.3pp | 22.1% | 21.8% | 22.2% | 86% |
| Brokered Deposits |
1.0%
-1.7pp YoY 0.0pp QoQ |
-6.8pp | 7.9% | 7.7% | 8.5% | 19% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
+0.1pp YoY -0.1pp QoQ |
-5.4pp | 11.6% | 10.5% | 12.5% | 27% |
| CRE |
46.9%
-4.1pp YoY 0.0pp QoQ |
+7.4pp | 39.5% | 46.3% | 41.4% | 65% |
| 1-4 Family |
23.0%
+0.3pp YoY -0.6pp QoQ |
-9.6pp | 32.6% | 44.2% | 31.3% | 37% |
| Consumer |
2.8%
-0.5pp YoY 0.0pp QoQ |
-1.3pp | 4.1% | 1.6% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.8% | 19.7% | n/a |
| Leverage Ratio |
10.7%
-0.8pp YoY -0.2pp QoQ |
-1.5pp | 12.2% | 14.4% | 12.6% | 45% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
92
-3 (-3.2%) YoY -3 (-3.2%) QoQ |
+33 | 58 | 5,103 | 482 | 83% |
| Assets per Employee ($) |
$6.3M
+15.3% YoY +7.7% QoQ |
-$1.2M | $7.5M | $9.4M | $8.8M | 40% |
| Branch Count |
14
0 YoY 0 QoQ |
+9 | 4 | 170 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.7% | 1.0% | 45% |
| Allowance Coverage |
1.39x
+60.1% YoY -10.8% QoQ |
-22.76x | 24.15x | 3.36x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
+0.9pp YoY +0.2pp QoQ |
-3.1pp | 12.2% | 8.7% | 11.6% | 31% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$2.4M
+22.8% YoY — QoQ |
-$198K | $2.6M | $518.0M | $40.4M | 59% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.