First Federal Savings Bank of Lincolnton
First Federal Savings Bank of Lincolnton is an FDIC-insured savings institution headquartered in Lincolnton, NC, supervised by the OCC, with $485.8M in total assets at Q2 2026, little changed from Q2 2025, the 22nd largest of 38 banks headquartered in North Carolina. It was established in 1940 and holds FDIC certificate 30315. Its CET1 capital ratio was 34.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FFSB of Lincolnton
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30315
- Headquarters
- Lincolnton, NC
- Established
- 1940
- Total assets, Q2 2026
- $485.8M
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 34.30%
- Domestic offices
- 4 · First Federal Savings Bank of Lincolnton branches FDIC institution directory, current count
- Routing number
- 253170884
- Safety and soundness
- Is First Federal Savings Bank of Lincolnton safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings Bank of Lincolnton Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 22nd of 38 in North Carolina
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 2,627 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 15.11% 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. Its margin is thin by comparison: it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Savings Bank of Lincolnton is the 22nd largest of the 38 banks headquartered in North Carolina. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $485.8M, loans rose 1.3% and deposits rose 1.7%. 1-4 family residential loans made up 85.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 6.1%. The FDIC Summary of Deposits lists 4 offices for it, in Lincolnton, NC, Denver, NC and Vale, NC; its Lincolnton 2 offices book 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Savings Bank of Lincolnton meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Federal Savings Bank of Lincolnton's total assets moved between a low of $436.8M (Q3 2023) and a high of $485.9M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$485.8M total assets against $485.9M; $403.5M total liabilities against $407.5M.
$350.5M net loans and leases against $345.7M; $390.3M total deposits against $394.5M.
$73.6M securities against $86.6M; $43.0M cash and balances due against $34.2M.
$5.5M total interest income against $5.5M; $1.9M total interest expense against $2.0M.
$3.6M net interest income against $3.4M.
$261K total noninterest income against $136K; $3.2M total noninterest expense against $2.4M.
No provision recorded in the last 12 quarters.
$500K net income against $993K.
0.41% return on assets against 0.83%; 3.07% net interest margin against 2.90%.
34.30% CET1 capital ratio against 33.81%; 17.61% tier 1 leverage ratio against 17.23%.
Inside the full First Federal Savings Bank of Lincolnton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings Bank of Lincolnton rankings
Its closest position to the top of a national ranking is 43 of 2,134, for CET1 ratio; its furthest is 3,322 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q4 2024) to 0.83% (Q2 2025) and its net interest margin ran from 2.76% (Q3 2024) to 3.07% (Q2 2026).
| 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
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 43 of 82 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Federal Savings Bank of Lincolnton headquartered?
It is headquartered in Lincolnton, NC, United States.
When was First Federal Savings Bank of Lincolnton founded?
It was established in 1940, per the FDIC institution directory.
Is First Federal Savings Bank of Lincolnton FDIC-insured?
Yes. It 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.
What is First Federal Savings Bank of Lincolnton's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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