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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 31217 · NC A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1441/4307
  • PHOTO-FINISH Pathward, National A… · SD
  • TIER1-WELL 18.7% Tier 1
  • TEXAS-CLEAN 6.7% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Pathward, National Association, SD (±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 LifeStore Bank

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

Morgan Stanley Bank,… · UT ·…100/100Angelina Savings Ban… · TX ·…84/100LifeStore Bank · NC · this b…84/100Pathward, National A… · SD ·…84/100Pee Dee Federal Savi… · SC ·…84/100Shelby Savings Bank,… · TX ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around LifeStore Bank · July 2026

What LifeStore Bank's Call Report plate shows

LifeStore Bank (FDIC Cert #31217) carries a PlainBankData health grade of A at 84/100, 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 #1,441 of 4,307. Tier 1 capital prints at 18.66%, clearing the 10% well-capitalized line. The Texas Ratio is 6.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $497M, 1,791st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Pathward, National Association (SD), 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 LifeStore Bank

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

LifeStore Bank'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; LifeStore Bank 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 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.

0/100100/100National avg77/10084/100
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 Assets

$497M

Total balance-sheet footings

Total Deposits

$439M

Customer-funded liabilities

Net Loans

$302M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.26% 18.66% 20.06%
Basel III capital ratios - LifeStore Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. LifeStore Bank 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

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 ratios for LifeStore Bank

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

What these ratios mean →

Earnings posture at LifeStore Bank

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
10.83%
Efficiency Ratio
65.49%

What these mean →

Income & expense at LifeStore Bank

$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.

FDIC Failed Bank List → View LifeStore Bank 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 ($497M here), outside North Carolina so the neighborhood is not state containment.

The Callaway Bank $498M · MO American Eagle Bank $497M · IL Citizens State Bank $498M · IL Eagle Bank and Trust Company $498M · AR

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.

LifeStore Bank 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%