Bank Safety Analysis
Is First Federal Savings Bank of Lincolnton Safe? Lincolnton, North Carolina
Based on its Q2 2026 call report, First Federal Savings Bank of Lincolnton meets every capital ratio test for well capitalized, its Texas ratio is 2.11%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of First Federal Savings Bank of Lincolnton and never asks for online banking logins or passwords.
Short answer: is First Federal Savings Bank of Lincolnton safe?
On its Q2 2026 call report, First Federal Savings Bank of Lincolnton's CET1 ratio is 34.30%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 34.30%
- Tier 1 leverage ratio (Q2 2026): 17.61%
- Texas ratio (Q2 2026): 2.11%
- Noncurrent loans ratio (Q2 2026): 0.46%
First Federal Savings Bank of Lincolnton is an FDIC-insured savings institution (FDIC Certificate #30315). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Federal Savings Bank of Lincolnton (FDIC Certificate #30315) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
First Federal Savings Bank of Lincolnton meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
The largest change between Q1 2026 and Q2 2026 was in return on assets, which fell 0.24 percentage points to 0.41%. Within North Carolina, First Federal Savings Bank of Lincolnton is 5th of 26 on CET1 ratio, 34.30% as of Q2 2026. First Federal Savings Bank of Lincolnton's CET1 ratio of 34.30% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 19.21 points (Q2 2026). From Q3 2023 to Q2 2026, First Federal Savings Bank of Lincolnton's CET1 ratio ranged between 32.53% (Q4 2024) and 34.83% (Q1 2026) and its Texas ratio ranged between 0.84% (Q2 2025) and 2.11% (Q2 2026). Between Q2 2025 and Q2 2026, First Federal Savings Bank of Lincolnton's CET1 ratio rose from 33.81% to 34.30%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.20% to 0.46%, Texas ratio rose from 0.84% to 2.11% and return on assets fell from 0.83% to 0.41%.
By total assets at Q2 2026, First Federal Savings Bank of Lincolnton is the 22nd largest of the 38 banks headquartered in North Carolina. 1-4 family residential loans are its largest loan category, $304.2M of $354.0M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, First Federal Savings Bank of Lincolnton's CET1 ratio of 34.30% is above the 15.08% median, Tier 1 leverage ratio of 17.61% is above the 10.95% median, nonperforming loans ratio of 0.46% is above the 0.41% median, Texas ratio of 2.11% is below the 2.65% median, and efficiency ratio of 82.03% is above the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does First Federal Savings Bank of Lincolnton score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 15.08%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does First Federal Savings Bank of Lincolnton trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 34.30% | Within range |
| Texas ratio BankRegReports band | 2.11% | Within range |
| Non-performing loan ratio BankRegReports band | 0.46% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 90.69% | Within range |
| Commercial real estate to capital supervisory threshold | 27.28% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 34.30% |
| Q1 2026 | 34.83% |
| Q4 2025 | 34.40% |
| Q3 2025 | 34.10% |
| Q2 2025 | 33.81% |
| Q1 2025 | 33.82% |
| Q4 2024 | 32.53% |
| Q3 2024 | 32.82% |
| Q2 2024 | 32.80% |
| Q1 2024 | 32.90% |
| Q4 2023 | 33.34% |
| Q3 2023 | 33.39% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 2.11% |
| Q1 2026 | 1.30% |
| Q4 2025 | 1.06% |
| Q3 2025 | 1.40% |
| Q2 2025 | 0.84% |
| Q1 2025 | 0.92% |
| Q4 2024 | 1.16% |
| Q3 2024 | 1.55% |
| Q2 2024 | 1.53% |
| Q1 2024 | 1.80% |
| Q4 2023 | 1.75% |
| Q3 2023 | 1.89% |
Loans by type, Q2 2026
- 1-4 family residential loans: $304.2M
- Owner-occupied commercial real estate loans: $21.4M
- Construction and land development loans: $17.4M
- Non-owner-occupied commercial real estate loans: $4.2M
- Commercial and industrial loans: $3.2M
- Multifamily loans: $2.7M
- Other consumer loans: $576K
- Auto loans: $235K
How have First Federal Savings Bank of Lincolnton's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $485.8M | 34.30% | 17.61% | 0.46% | 2.11% | 82.03% |
| Mar 31, 2026 | $478.4M | 34.83% | 17.75% | 0.32% | 1.30% | 72.65% |
| Dec 31, 2025 | $477.0M | 34.40% | 17.70% | 0.26% | 1.06% | 76.31% |
| Sep 30, 2025 | $472.4M | 34.10% | 17.59% | 0.34% | 1.40% | 67.47% |
| Jun 30, 2025 | $485.9M | 33.81% | 17.23% | 0.20% | 0.84% | 65.41% |
| Mar 31, 2025 | $481.7M | 33.82% | 17.25% | 0.22% | 0.92% | 75.78% |
| Dec 31, 2024 | $472.0M | 32.53% | 17.29% | 0.27% | 1.16% | 81.49% |
| Sep 30, 2024 | $462.6M | 32.82% | 17.51% | 0.37% | 1.55% | 75.03% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Federal Savings Bank of Lincolnton FDIC insured?
Yes. First Federal Savings Bank of Lincolnton is an FDIC-insured savings institution (FDIC Certificate #30315). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Federal Savings Bank of Lincolnton well capitalized?
On its Q2 2026 call report, First Federal Savings Bank of Lincolnton's CET1 ratio is 34.30%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First Federal Savings Bank of Lincolnton's key safety ratios?
For Q2 2026, First Federal Savings Bank of Lincolnton reports CET1 34.30%, leverage 17.61%, Texas ratio 2.11%, noncurrent loans 0.46%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if First Federal Savings Bank of Lincolnton fails?
For Q2 2026, First Federal Savings Bank of Lincolnton reported $390.3M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full First Federal Savings Bank of Lincolnton profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.