First Federal Savings Bank of Lincolnton: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings Bank of Lincolnton spends more to run itself than most banks of its size. It reported $486 million in assets at June 30, 2026. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 34.30% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Earnings fell sharply: quarterly net income of $500,000 was 50% below a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.46% of loans, against 0.20% a year earlier. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Federal Savings Bank of Lincolnton reported a CET1 capital ratio of 34.30%, a return on assets of 0.41%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.11%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 320 E Main St, Lincolnton, NC 28092
- County
- Lincoln
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1940
- Former names
- First Federal Savings and Loan Association of Lincolnton (1947-2000)
- Offices
- 4 domestic
- Employees (FTE)
- 47
- Domestic deposits
- $390.3M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $75K
- Average total assets
- $484.9M
- Average total loans
- $348.5M
- Average interest-bearing deposits
- $345.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30315
- Fed RSSD
- 42372
- Website
- www.ffsb-nc.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Savings Bank of Lincolnton terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Savings Bank of Lincolnton, freeFirst Federal Savings Bank of Lincolnton rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Federal Savings Bank of Lincolnton: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.30% | 0.41% | 0.46% | 2.11% | 3.07% |
| Q1 2026 | 34.83% | 0.65% | 0.32% | 1.30% | 2.98% |
| Q4 2025 | 34.40% | 0.57% | 0.26% | 1.06% | 2.98% |
| Q3 2025 | 34.10% | 0.79% | 0.34% | 1.40% | 3.02% |
| Q2 2025 | 33.81% | 0.83% | 0.20% | 0.84% | 2.90% |
| Q1 2025 | 33.82% | 0.52% | 0.22% | 0.92% | 2.78% |
| Q4 2024 | 32.53% | 0.35% | 0.27% | 1.16% | 2.76% |
| Q3 2024 | 32.82% | 0.53% | 0.37% | 1.55% | 2.76% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings Bank of Lincolnton (main office) | Lincolnton , NC | 28092 | $170.7M |
| Denver Branch | Denver , NC | 28037 | $101.1M |
| Boger City Branch | Lincolnton , NC | 28092 | $77.0M |
| West Lincoln Branch | Vale , NC | 28168 | $41.5M |
Regulatory record
What the public regulatory sources show for First Federal Savings Bank of Lincolnton, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NC, rank 43 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 173 applications, 132 loans originated, $41.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $65K approved, $65K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Savings Bank of Lincolnton
What are First Federal Savings Bank of Lincolnton's total assets?
As of the Q2 2026 filing, First Federal Savings Bank of Lincolnton reported total assets of $485.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings Bank of Lincolnton headquartered?
First Federal Savings Bank of Lincolnton is headquartered in Lincolnton, NC, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First Federal Savings Bank of Lincolnton founded?
First Federal Savings Bank of Lincolnton was established in 1940, per the FDIC institution directory.
Is First Federal Savings Bank of Lincolnton FDIC-insured?
Yes. First Federal Savings Bank of Lincolnton is an FDIC-insured savings institution (FDIC Certificate #30315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings Bank of Lincolnton?
First Federal Savings Bank of Lincolnton's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings Bank of Lincolnton's CET1 capital ratio?
First Federal Savings Bank of Lincolnton reported a Common Equity Tier 1 (CET1) capital ratio of 34.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings Bank of Lincolnton operate?
First Federal Savings Bank of Lincolnton operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings Bank of Lincolnton's Texas Ratio?
First Federal Savings Bank of Lincolnton's Texas Ratio is 2.11% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Savings Bank of Lincolnton previously called?
The charter now named First Federal Savings Bank of Lincolnton has also operated as First Federal Savings and Loan Association of Lincolnton (1947-2000), per FDIC structure-change records.
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