Lumbee Guaranty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lumbee Guaranty Bank of Pembroke, 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 | 0.83% | 1.35% | -0.52% | 25th below |
| ROAE | 9.23% | 13.33% | -4.10% | 32nd below |
| Net Interest Margin | 3.14% | 3.93% | -0.79% | 14th bottom |
| Efficiency Ratio | 67.84% | 61.13% | +6.71% | 33rd below |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 19th bottom |
| Yield on Earning Assets | 4.48% | 5.67% | -1.19% | 8th bottom |
| Cost of Funds | 1.41% | 1.88% | -0.47% | 74th above |
| Net Interest Spread | 2.48% | 3.32% | -0.84% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.94% | -0.57% | 52nd above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 64th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.52% | 1.28% | -0.76% | 3rd bottom |
| ACL / NPLs (Coverage) | 139.00% | 1546.99% | -1407.99% | 38th below |
| Texas Ratio | 1.70% | 7.34% | -5.64% | 66th above |
| Provision / NCO | 1700.00% | 1394.61% | +305.39% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.71% | 12.14% | -1.43% | 45th below |
| Equity / Assets | 8.93% | 11.37% | -2.44% | 26th below |
| TCE / Tangible Assets | 8.84% | 11.08% | -2.24% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.35% | 80.68% | -31.33% | 92nd top |
| Core Deposit Ratio | 91.70% | 86.85% | +4.85% | 65th above |
| Wholesale Funding Ratio | 6.43% | 5.03% | +1.40% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.61% | 6.84% | +4.77% | 87th top |
| Loan Growth (Y/Y) | 8.14% | 7.92% | +0.22% | 66th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.12% | 6.29% | -1.17% | 58th above |
See Lumbee Guaranty Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lumbee Guaranty Bank, 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 Lumbee Guaranty Bank profile, how to read a UBPR, or how this data updates.