First Federal Savings Bank of Lincolnton: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings Bank of Lincolnton of Lincolnton, NC against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.41% | 1.35% | -0.94% | 11th bottom |
| ROAE | 2.44% | 13.33% | -10.89% | 8th bottom |
| Net Interest Margin | 3.07% | 3.93% | -0.86% | 12th bottom |
| Efficiency Ratio | 82.03% | 61.12% | +20.91% | 12th bottom |
| PPNR / Avg Assets | 0.57% | 1.68% | -1.11% | 10th bottom |
| Yield on Earning Assets | 4.68% | 5.67% | -0.99% | 13th bottom |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 346.26% | 1546.74% | -1200.48% | 63rd above |
| Texas Ratio | 2.11% | 7.34% | -5.23% | 62nd above |
| Provision / NCO | 0.00% | 1395.86% | -1395.86% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 34.30% | 19.47% | +14.83% | 95th top |
| Tier 1 Ratio | 34.30% | 19.51% | +14.79% | 95th top |
| Total Capital Ratio | 35.55% | 20.59% | +14.96% | 95th top |
| Leverage Ratio | 17.61% | 12.14% | +5.47% | 94th top |
| Equity / Assets | 16.93% | 11.36% | +5.57% | 93rd top |
| TCE / Tangible Assets | 16.93% | 11.08% | +5.85% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.69% | 80.66% | +10.03% | 27th below |
| Core Deposit Ratio | 83.27% | 86.85% | -3.58% | 25th below |
| Wholesale Funding Ratio | 2.06% | 5.04% | -2.98% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.04% | 6.84% | -6.88% | 19th bottom |
| Loan Growth (Y/Y) | 1.33% | 7.92% | -6.59% | 28th below |
| Deposit Growth (Y/Y) | -1.06% | 6.29% | -7.35% | 18th bottom |
See First Federal Savings Bank of Lincolnton's peers by name
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Unlock First Federal Savings Bank of Lincolnton, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Federal Savings Bank of Lincolnton profile, how to read a UBPR, or how this data updates.