BlastPoint's Banking Scorecard
First Federal Savings Bank of Lincolnton
Designations: ✓ Mutual
Lincolnton, NC
4 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 -1.1% year over year ($390.3M on the books).
- Delinquency rate 0.46%.
- Return on assets 0.53%.
- Efficiency ratio 77.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings Bank of Lincolnton has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.8% in tier
- - Flatlined Growth: Bottom 9.6% in tier
- - Credit Risk Growth: Bottom 9.9% in tier
- - Credit Quality Pressure: Bottom 41.0% in tier
- - ROA 0.79% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 13.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$485.8M
-0.0% YoY
+1.5% QoQ
|
+$99.2M |
$386.6M
+1.2% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$350.5M
+1.4% YoY
+1.3% QoQ
|
+$92.1M |
$258.3M
+1.7% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$390.3M
-1.1% YoY
+1.7% QoQ
|
+$63.6M |
$326.7M
+0.7% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
0.53%
-20.4% YoY
-18.3% QoQ
|
-0.79% |
1.32%
+10.8% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.2% in tier |
| Net Interest Margin ? |
3.07%
+5.9% YoY
+1.1% QoQ
|
-0.91% |
3.99%
+5.0% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio ? |
77.56%
+9.9% YoY
+6.6% QoQ
|
+13.08% |
64.48%
-3.2% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
0.46%
+131.1% YoY
+43.4% QoQ
|
-0.46% |
0.92%
+15.7% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
89.78%
+2.5% YoY
-0.4% QoQ
|
+11.83% |
77.95%
+1.0% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
11.43%
+3.3% YoY
+13.2% QoQ
|
-10.60% |
22.03%
-0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.5% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+163.2% YoY
+60.7% QoQ
|
-0.30% |
0.67%
+16.4% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
34.30%
+1.4% YoY
-1.5% QoQ
|
+18.39% |
15.91%
+1.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
Top 2.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
+88.7% YoY
+209.2% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.6% in tier |
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 |
11.4%
+0.4pp YoY +1.3pp QoQ |
-10.7pp | 22.1% | 21.8% | 22.2% | 13% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.9%
+0.2pp YoY +0.3pp QoQ |
-10.6pp | 11.6% | 10.5% | 12.5% | 3% |
| CRE |
13.0%
-0.8pp YoY -0.4pp QoQ |
-26.5pp | 39.5% | 46.3% | 41.4% | 8% |
| 1-4 Family |
86.8%
+0.7pp YoY +0.1pp QoQ |
+54.2pp | 32.6% | 44.2% | 31.3% | 98% |
| Consumer |
0.3%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 1.6% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
34.3%
+0.5pp YoY -0.5pp QoQ |
+15.5pp | 18.8% | 22.8% | 19.7% | 96% |
| Leverage Ratio |
17.6%
+0.4pp YoY -0.1pp QoQ |
+5.4pp | 12.2% | 14.4% | 12.6% | 94% |
| Total Capital Ratio |
35.6%
+0.5pp YoY -0.5pp QoQ |
+15.6pp | 19.9% | 23.8% | 20.8% | 95% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
47
+1 (+2.2%) YoY 0 QoQ |
-12 | 58 | 5,103 | 482 | 49% |
| Assets per Employee ($) |
$10.3M
-2.2% YoY +1.5% QoQ |
+$2.8M | $7.5M | $9.4M | $8.8M | 87% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 170 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.2% | -0.2pp | 0.3% | 0.1% | 0.4% | 61% |
| Nonaccrual |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.7% | 1.0% | 38% |
| Allowance Coverage |
2.21x
-58.2% YoY -32.6% QoQ |
-21.95x | 24.15x | 3.36x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.1%
-1.0pp YoY -0.7pp QoQ |
-9.1pp | 12.2% | 8.7% | 11.6% | 8% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 47% |
| Net Income ($, YTD) |
$1.3M
-20.3% YoY — QoQ |
-$1.3M | $2.6M | $518.0M | $40.4M | 35% |
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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 (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.