FDIC Cert #30315 · Lincolnton, North Carolina · Est. 1940

First Federal Savings Bank of Lincolnton - FDIC Bank Health Profile

A community-scale look at First Federal Savings Bank of Lincolnton's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$477M
Total assets
B
Health grade · Good
0.67%
Return on assets
34.4%
Tier 1 capital

Data updated July 2026

The verdict

First Federal Savings Bank of Lincolnton earns a PlainBankData health grade of B (78/100), with well-capitalized at 34.40% Tier 1, 0.67% ROA, 71% efficiency ratio.

#1,857
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
34.40%
Tier 1 ratio - above the 10% well-capitalized line
23rd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 30315 · NC B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2197/4307
  • PHOTO-FINISH First Federal Bank o… · WI
  • TIER1-WELL 34.4% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-THIN 0.67% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: First Federal Bank of Wisconsin, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Federal Savings Bank of Lincoln…

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cornerstone Bank · IA · near78/100First Federal Bank o… · WI ·…78/100First Federal Saving… · NC ·…78/100Massena Savings and… · NY · …78/100Monroe Savings Bank · NJ · n…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Federal Savings Bank of Lincoln… · July 2026

What First Federal Savings Bank of Lincoln…'s Call Report plate shows

First Federal Savings Bank of Lincolnton (FDIC Cert #30315) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,197 of 4,307. Tier 1 capital prints at 34.40%, clearing the 10% well-capitalized line. The Texas Ratio is 1.06%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.67%. Balance-sheet scale is $477M, 1,857th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Bank of Wisconsin (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Federal Savings Bank of Lincoln…

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

First Federal Savings Bank of Lincolnton's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Federal Savings Bank of Lincolnton remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How First Federal Savings Bank of Lincolnton's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
First Federal Savings Bank of Lincolnton's composite health score
Tier 1 Capital Ratio (34.40%) 40/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (1.06%) 20/20
Efficiency Ratio (71.31%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$477M

Total balance-sheet footings

Total Deposits

$383M

Customer-funded liabilities

Net Loans

$348M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 33% 34.4% 35.8%
Basel III capital ratios - First Federal Savings Bank of Lincolnton

Where First Federal Savings Bank of Lincolnton ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings Bank of Lincolnton's score of 78/100 falls in the highlighted band.

First Federal Savings Bank of Lincolnton: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Federal Savings Bank of Lincoln… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Federal Savings Bank of Lincolnton's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Savings Bank of Lincolnton's $477M falls in the highlighted band.

Safety ratios for First Federal Savings Bank of Lincoln…

Tier 1 capital ratio
Well-capitalized 10%

34.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
34.40%
Texas Ratio
1.06%
Equity Capital
$81M

What these ratios mean →

Profitability metrics: First Federal Savings Bank of Lincoln…

Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
4.11%
Efficiency Ratio
71.31%

What these mean →

Income & expense at First Federal Savings Bank of Lincoln…

$22M
Interest Income
$455K
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings Bank of Lincolnton reports a Texas Ratio of 1.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Federal Savings Bank of Lincolnton on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($477M here), outside North Carolina so the neighborhood is not state containment.

Century Bank and Trust $477M · MI Springfield State Bank $477M · KY Peoples Independent Bank $477M · AL Southwest Capital Bank $477M · NM

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings Bank of Lincolnton (FDIC Cert #30315) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Federal Savings Bank of Lincolnton Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%