Bank Comparison
First Federal Savings Bank of Lincolnton vs Springfield State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Federal Savings Bank of Lincolnton | Springfield State Bank |
|---|---|---|
| CET1 Ratio | 34.83% | — |
| Tier 1 Capital Ratio | 34.83% | — |
| Total Capital Ratio | 36.08% | — |
| Tier 1 Leverage Ratio | 17.75% | 14.17% |
| Equity / Assets | 17.08% | 11.64% |
Profitability
| Metric | First Federal Savings Bank of Lincolnton | Springfield State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.65% | 1.12% |
| Return on Equity (ROE) | 3.83% | 9.51% |
| Net Interest Margin (NIM) | 2.98% | 2.91% |
| Yield on Earning Assets | 4.63% | 4.99% |
| Cost of Funds | 1.96% | 2.34% |
Asset quality
| Metric | First Federal Savings Bank of Lincolnton | Springfield State Bank |
|---|---|---|
| Texas Ratio | 1.30% | 2.42% |
| Non-Performing Loan Ratio | 0.32% | 0.37% |
| Non-Performing Asset Ratio | 0.23% | 0.26% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.04% | 1.10% |
Balance sheet
| Metric | First Federal Savings Bank of Lincolnton | Springfield State Bank |
|---|---|---|
| Total Assets | $478,394K | $477,932K |
| Total Deposits | $383,754K | $382,769K |
| Total Loans | $349,643K | $334,278K |
| Total Equity | $81,713K | $55,613K |
| Net Income (quarter) | $778 | $1,321K |
Liquidity & funding
| Metric | First Federal Savings Bank of Lincolnton | Springfield State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.11% | 87.33% |
| Core Deposit Ratio | 82.64% | 87.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings Bank of Lincolnton | Springfield State Bank |
|---|---|---|
| Headquarters City | LINCOLNTON | SPRINGFIELD |
| Headquarters State | NC | KY |
| Asset Tier | Small | Small |
| Charter Class | 705153 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 47 | 40 |
| Established | Jan. 1, 1940, midnight | Jan. 1, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Federal Savings Bank of Lincolnton profile | View full Springfield State Bank profile | Browse all bank comparisons