Lumbee Guaranty Bank
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Data as of · sourced from FFIEC call reports. How we update
Lumbee Guaranty Bank is an FDIC-insured commercial bank headquartered in Pembroke, NC, established in 1971 (FDIC certificate 20568), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $583.5M, up 11.6% from Q2 2025, the 19th largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20568
- Headquarters
- Pembroke, NC
- Established
- 1971
- Total assets, Q2 2026
- $583.5M
- Assets vs Q2 2025
- +11.6%
- Tier 1 leverage ratio, Q2 2026
- 10.71%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 053103682
- Latest call report
- Q2 2026, FFIEC 051 · Lumbee Guaranty Bank call report
- Asset rank in state
- 19th of 38 in North Carolina
Lumbee Guaranty Bank, based in Pembroke, North Carolina, reported $583 million in assets at June 30, 2026, up 11.6% from a year earlier. It keeps 3.14 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.83 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
Paper losses on its bond portfolio are shrinking: unrealized losses of $29 million equal 47% of Tier 1 capital, down from 65% a year earlier. Net income for the quarter rose 24% from a year earlier, to $1.2 million.
As of June 30, 2026, Lumbee Guaranty Bank reported a return on assets of 0.83%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.70%. The figures come from its call report filed with the FFIEC.
Lumbee Guaranty Bank ranks as the 19th largest of the 38 banks based in North Carolina, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.3% to $583.5M, loans rose 3.4% and deposits fell 0.8%. 1-4 family residential loans made up 22.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.9%. Its 14 offices in the FDIC Summary of Deposits are in 10 cities in NC; its Pembroke 3 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, Lumbee Guaranty Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 403 E 3rd St, Pembroke, NC 28372
- County
- Robeson
- Metro Area
- Lumberton, NC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 22, 1971
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $490.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $578.8M
- Average total loans
- $238.3M
- Average interest-bearing deposits
- $342.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 22, 1971
- FDIC Cert
- 20568
- Fed RSSD
- 651121
- Website
- www.lumbeeguarantybank.com →
Profitability
Q2 annualizedBalance 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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Lumbee Guaranty Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lumbee Guaranty Bank's total assets ran between $497.1M (Q3 2023) and $583.5M (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
$583.5M total assets against $522.8M; $531.4M total liabilities against $474.6M.
$240.8M net loans and leases against $222.4M; $490.4M total deposits against $466.5M.
$291.7M securities against $237.5M; $15.9M cash and balances due against $31.4M.
$5.8M total interest income against $5.2M; $1.8M total interest expense against $1.7M.
$4.0M net interest income against $3.5M.
$878K total noninterest income against $848K; $3.5M total noninterest expense against $3.3M.
$47K provision for credit losses against -$85K.
$1.2M net income against $965K.
0.83% return on assets against 0.75%; 3.14% net interest margin against 3.00%.
10.71% tier 1 leverage ratio against 11.48%.
Inside the full Lumbee Guaranty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Lumbee Guaranty Bank rankings
Its closest position to the top of a national ranking is 1,583 of 4,196, for total assets; its furthest is 2,840 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q4 2024) to 0.85% (Q3 2025) and its net interest margin ran from 2.87% (Q3 2024) to 3.14% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.71% | 0.83% | 0.37% | 1.70% | 3.14% |
| Q1 2026 | 10.73% | 0.81% | 0.33% | 1.47% | 3.06% |
| Q4 2025 | 10.90% | 0.80% | 0.26% | 1.14% | 3.03% |
| Q3 2025 | 11.39% | 0.85% | 0.56% | 2.44% | 3.09% |
| Q2 2025 | 11.48% | 0.75% | 0.71% | 3.25% | 3.00% |
| Q1 2025 | 11.36% | 0.74% | 0.85% | 3.81% | 2.94% |
| Q4 2024 | 11.12% | 0.45% | 0.37% | 1.84% | 3.06% |
| Q3 2024 | 11.03% | 0.72% | 0.34% | 1.57% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Lumbee Guaranty Bank (main office) | Pembroke , NC | 28372 | $216.6M |
| Fayetteville Road Branch | Lumberton, , NC | 28358 | $64.6M |
| Downtown Branch | Lumberton , NC | 28358 | $43.5M |
| Red Springs Branch | Red Springs , NC | 28377 | $31.3M |
| Fairmont Branch | Fairmont , NC | 28340 | $24.7M |
| Village Drive Branch | Fayetteville , NC | 28304 | $19.2M |
| Maxton Branch | Maxton , NC | 28364 | $18.8M |
| Rowland Branch | Rowland , NC | 28383 | $13.5M |
| St. Pauls Branch | Saint Pauls , NC | 28384 | $13.5M |
| Lake Rim Branch | Fayetteville , NC | 28304 | $12.9M |
| Raeford Branch 63 | Raeford , NC | 28376 | $12.5M |
| University Plaza Branch | Pembroke , NC | 28372 | $12.1M |
| West Fifth Street | Lumberton , NC | 28358 | $7.1M |
| Pembroke Branch 64 | Pembroke , NC | 28372 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 38 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Lumbee Guaranty Bank
What are Lumbee Guaranty Bank's total assets?
As of the Q2 2026 filing, Lumbee Guaranty Bank reported total assets of $583.5 million in its FFIEC call report.
Where is Lumbee Guaranty Bank headquartered?
It is headquartered in Pembroke, NC, United States.
When was Lumbee Guaranty Bank founded?
It was established in 1971, per the FDIC institution directory.
Is Lumbee Guaranty Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lumbee Guaranty Bank?
Lumbee Guaranty Bank's primary federal regulator is the FDIC.
How many branches does Lumbee Guaranty Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lumbee Guaranty Bank's Texas Ratio?
Its Texas Ratio is 1.70% 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.
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