LIFESTORE BANK

WEST JEFFERSON, NC | Small | Est. Jan. 1, 1939, midnight | FDIC #31217 | RSSD #715872 | FED
Latest Report: 2025-12-31

LIFESTORE BANK is asn small FDIC-insured commercial bank headquartered in WEST JEFFERSON, NC, established in Jan. 1, 1939, midnight. As of 2025-12-31, the bank reported total assets of $497M and total deposits of $439M. Profitability stands at 1.11% ROA and 10.36% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 18.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.26% and a Texas Ratio of 6.69%. FDIC Certificate #31217.

Assets

$497M

Deposits

$439M

Loans

$307M

Equity

$53M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 10.36%
Net Interest Margin (NIM) 3.69%
Yield on Assets 5.65%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 1.26%
Net Charge-Off Ratio -0.08%
Texas Ratio 6.69%
NPA Ratio 0.78%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 18.66%
Tier 1 Capital 18.66%
Total Capital Ratio 19.91%
Leverage Ratio 11.35%
Loan-to-Deposit 69.83%

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