Total Assets
$497M
Total balance-sheet footings
FDIC Cert #31217 · West Jefferson, North Carolina · Est. 1939
LifeStore Bank - FDIC Bank Health Profile
A community-scale look at LifeStore Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $497M
- Total assets
- A
- Health grade · Excellent
- 1.13%
- Return on assets
- 18.7%
- Tier 1 capital
Data updated July 2026
The verdict
LifeStore Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 18.66% Tier 1, profitable at 1.13% ROA, 65% efficiency ratio.
- #1,791
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 18.66%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- 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.
How LifeStore Bank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
LifeStore Bank's composite health score
Tier 1 Capital Ratio (18.66%) 40/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (6.69%) 16/20
Efficiency Ratio (65.49%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$439M
Customer-funded liabilities
Net Loans
$302M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where LifeStore Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. LifeStore Bank's score of 84/100 falls in the highlighted band.
LifeStore Bank'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). LifeStore Bank's $497M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.66%
Texas Ratio
6.69%
Equity Capital
$53M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
10.83%
Efficiency Ratio
65.49%
What the numbers say about LifeStore Bank
LifeStore Bank is an FDIC-insured institution (Certificate #31217) headquartered in West Jefferson, North Carolina, established in 1939. It holds $497M in total assets - 1,791st of 4,313 FDIC-insured banks, $439M in customer deposits, and $302M in net loans. Its capital position: a Tier 1 ratio of 18.66%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 6.69% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
LifeStore Bank sits 21st of 38 banks headquartered in North Carolina by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$25M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. LifeStore Bank reports a Texas Ratio of 6.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) LifeStore Bank (FDIC Cert #31217) - 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.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is LifeStore Bank's health grade?▼
LifeStore Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is LifeStore Bank?▼
LifeStore Bank holds $497M in total assets and $439M in deposits, ranking 1,791st of 4,313 FDIC-insured banks by asset size. It is headquartered in West Jefferson, North Carolina.
Is my money safe at LifeStore Bank?▼
Yes, deposits at LifeStore Bank (Certificate #31217) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is LifeStore Bank's Tier 1 Capital Ratio?▼
LifeStore Bank has a Tier 1 Capital Ratio of 18.66%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for LifeStore Bank?▼
LifeStore Bank has a Texas Ratio of 6.69%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is LifeStore Bank?▼
LifeStore Bank has an Efficiency Ratio of 65.49%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read LifeStore Bank's profile as a depositor or analyst.
- LifeStore Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare LifeStore Bank against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.