First Federal Savings Bank of Lincolnton: Return on Equity
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings Bank of Lincolnton reported a return on equity of 2.44% as of Q2 2026, ranking #3,413 of 3,614 U.S. banks (6th percentile). That is down 2.67 percentage points from 5.11% a year earlier, and below the 12.32% median of the 1,871 Small Community Banks ($100M–$500M in assets). Return on Equity (ROE) is the rate of return banks earn on common shareholders' equity, the standard equity-investor measure of bank profitability.
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What is the Return on Equity?
Return on equity (ROE) is a bank's annualized net income divided by its average shareholders' equity, expressed as a percentage. It is the return the bank earns on the capital its owners have invested.
Read ROE together with ROA and the equity-to-assets ratio. ROE equals ROA times the ratio of assets to equity, so a bank can raise ROE by holding less capital without earning more on its assets; a high ROE built on thin capital is weaker than the same ROE built on a high ROA. Subchapter S banks pay no income tax at the bank level, so their ROE runs higher than a C corporation bank with the same pretax earnings. Share buybacks shrink equity and lift ROE with no change in profit.
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What is First Federal Savings Bank of Lincolnton's Return on Equity?
First Federal Savings Bank of Lincolnton's Return on Equity was 2.44% as of Q2 2026, ranking #3413 of 3,614 U.S. banks.
What is the Return on Equity?
Return on equity (ROE) is a bank's annualized net income divided by its average shareholders' equity, expressed as a percentage. It is the return the bank earns on the capital its owners have invested.
More First Federal Savings Bank of Lincolnton metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Federal Savings Bank of Lincolnton profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 30315) · FFIEC NIC profile (RSSD 42372)