Lumbee Guaranty Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.76 percentage points lower than in Q1 2026, at 139.00%. Lumbee Guaranty Bank ranks 23rd of 38 North Carolina banks on return on assets, in the lower half at 0.83% (Q2 2026). Lumbee Guaranty Bank reported 0.83% on return on assets for Q2 2026, 0.42 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.71% |
| Equity capital to assets | 8.93% |
| Tangible equity to tangible assets | 8.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.70% |
| Allowance for credit losses to loans | 0.52% |
| Reserve coverage of non-performing loans | 139.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 9.23% |
| Net interest margin | 3.14% |
| Efficiency ratio | 67.84% |
| Yield on earning assets | 4.48% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.35% |
| Core deposits to total deposits | 91.70% |
| Brokered deposits to total deposits | 1.02% |
| Deposits to assets | 84.04% |
| Securities to assets | 49.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.99% | 1.19% | 3.37% | 0.58% | 0.00% |
| Q4 2023 | 10.86% | 1.29% | 3.03% | 0.45% | 0.05% |
| Q1 2024 | 11.04% | 0.94% | 2.84% | 0.74% | -0.01% |
| Q2 2024 | 11.08% | 0.88% | 2.91% | 0.36% | -0.00% |
| Q3 2024 | 11.03% | 0.72% | 2.87% | 0.34% | 0.01% |
| Q4 2024 | 11.12% | 0.45% | 3.06% | 0.37% | 0.00% |
| Q1 2025 | 11.36% | 0.74% | 2.94% | 0.85% | -0.03% |
| Q2 2025 | 11.48% | 0.75% | 3.00% | 0.69% | 0.01% |
| Q3 2025 | 11.39% | 0.85% | 3.09% | 0.56% | 0.00% |
| Q4 2025 | 10.90% | 0.80% | 3.03% | 0.26% | 0.18% |
| Q1 2026 | 10.93% | 0.82% | 3.06% | 0.33% | 0.01% |
| Q2 2026 | 10.71% | 0.83% | 3.14% | 0.37% | 0.00% |
Lumbee Guaranty Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lumbee Guaranty Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lumbee Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20568) · FFIEC NIC profile (RSSD 651121)