BlastPoint's Banking Scorecard
First Federal Savings Bank of Lincolnton
Designations: ✓ Mutual
Lincolnton, NC
4 branches across NC
First Federal Savings Bank of Lincolnton has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.0% in tier
- - Liquidity Overhang: Bottom 4.5% in tier
- - Liquidity Strain: Bottom 10.3% in tier
- - Flatlined Growth: Bottom 11.1% in tier
- - Credit Quality Pressure: Bottom 24.9% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.62% below tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$478.4M
-0.7% YoY
+0.3% QoQ
|
+$92.3M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$346.0M
+1.8% YoY
-0.5% QoQ
|
+$90.3M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$383.8M
-0.3% YoY
+0.2% QoQ
|
+$55.8M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
0.65%
+27.3% YoY
-3.4% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.04%
+7.9% YoY
+1.6% QoQ
|
-0.89% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio ? |
72.78%
-4.2% YoY
+2.1% QoQ
|
+7.49% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.32%
+46.7% YoY
+24.1% QoQ
|
-0.57% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
90.16%
+2.1% YoY
-0.7% QoQ
|
+13.52% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
10.10%
-7.7% YoY
+3.9% QoQ
|
-11.92% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.0% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+50.4% YoY
+23.1% QoQ
|
-0.41% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
34.83%
+3.0% YoY
+1.2% QoQ
|
+19.00% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Top 2.4% in tier |
| Non-Interest Income / Assets ? |
0.03%
+83.3% YoY
-73.3% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.2% in tier |
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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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.