LUMBEE GUARANTY BANK

PEMBROKE, NC | Medium | Est. Dec. 22, 1971, midnight | FDIC #20568 | RSSD #651121 | FDIC
Latest Report: 2025-12-31

LUMBEE GUARANTY BANK is amn medium FDIC-insured commercial bank headquartered in PEMBROKE, NC, established in Dec. 22, 1971, midnight. As of 2025-12-31, the bank reported total assets of $561M and total deposits of $496M. Profitability stands at 0.81% ROA and 8.63% ROE, with a net interest margin of 2.98%. The bank's CET1 capital ratio is 9.02%. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.12%. FDIC Certificate #20568.

Assets

$561M

Deposits

$496M

Loans

$230M

Equity

$52M

Profitability

Return on Assets (ROA) 0.81%
Return on Equity (ROE) 8.63%
Net Interest Margin (NIM) 2.98%
Yield on Assets 4.42%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.12%
NPA Ratio 0.11%
ACL / Loans 0.52%

Capital & Liquidity

CET1 Ratio 9.02%
Tier 1 Capital 9.02%
Total Capital Ratio 9.47%
Leverage Ratio 10.90%
Loan-to-Deposit 46.32%

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