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Lifestore Bank
West Jefferson, NC · FDIC Certificate #31217 · Chartered 01/0
Total assets
$491.32M
Total deposits
$429.69M
Total equity
$55.87M
Net loans
$320.27M
Branches (offices)
4
Net income (YTD)
$2.84M
Rank: #1,810 of 4,213 U.S. banks by assets · #21 of 38 in North Carolina. Assets changed 3.6% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 10.42% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 11.37% |
| Tier 1 leverage ratio | 11.92% |
| Uninsured deposits (share of deposits) | 18.8% |
| Noncurrent loans (share of loans) | 1.11% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 74.5% |
| Real estate loans (share of loans) | 97.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $311.18M | 97.2% | |
| Commercial & industrial | $10.81M | 3.4% | |
| Consumer / individual | $2.54M | 0.8% | |
| Construction & development | $17.84M | 5.6% | |
| Agricultural | $200.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $399.85M | $347.03M | $1.80M | $40.73M |
| Jun 2023 | $410.82M | $354.59M | $1.97M | $43.75M |
| Jun 2024 | $447.40M | $395.03M | $1.67M | $47.74M |
| Jun 2025 | $474.04M | $420.19M | $2.35M | $49.20M |
| Jun 2026 | $491.32M | $429.69M | $2.84M | $55.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $429.69M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $429.69M.
Similar-sized banks
Solutions Bank ($491.60M) · Century Bank And Trust ($490.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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