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First Federal Savings Bank of Lincolnton Locations & Branches Lincolnton, North Carolina
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First Federal Savings Bank of Lincolnton operates 4 branches from its headquarters in Lincolnton, NC, . Its main office is at 320 E Main St, Lincolnton, NC 28092.
First Federal Savings Bank of Lincolnton branch network
All 4 branches are in NORTH CAROLINA, across 3 cities. Lincolnton, NC has the most of its branches, 2. Its largest office by deposits is its main office in Lincolnton, NC, with $170.7M (43.7% of its branch deposits). It had the same number of branches on June 30, 2025.
First Federal Savings Bank of Lincolnton at a glance
Its CET1 capital ratio was 34.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $485.8M
- CET1 ratio, Q2 2026
- 34.30%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1940
Full financial profile · Is First Federal Savings Bank of Lincolnton safe? · First Federal Savings Bank of Lincolnton Q3 2026 call report, filed October 26, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lincolnton, NC (2 branches) | 1 of 8 | 24.9% | $247.8M |
| State: NC (4 branches) | 43 of 82 | <0.1% | $390.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in North Carolina.
Share by county and metro area
First Federal Savings Bank of Lincolnton's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lincoln, NC (4 branches) | 1 of 10 | 21.1% | $390.3M | $1.85B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Charlotte-Concord-Gastonia, NC-SC (4 branches) | 22 of 47 | <0.1% | $390.3M | $432.53B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 30315) · FFIEC NIC profile (RSSD 42372)