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Lumbee Guaranty Bank
Pembroke, NC · FDIC Certificate #20568 · Chartered 12/2
Total assets
$583.49M
Total deposits
$490.39M
Total equity
$52.13M
Net loans
$240.76M
Branches (offices)
14
Net income (YTD)
$2.36M
Rank: #1,591 of 4,213 U.S. banks by assets · #19 of 38 in North Carolina. Assets changed 11.6% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 9.08% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 8.93% |
| Tier 1 leverage ratio | 10.71% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 49.1% |
| Real estate loans (share of loans) | 71.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $171.99M | 71.4% | |
| Commercial & industrial | $14.90M | 6.2% | |
| Consumer / individual | $6.69M | 2.8% | |
| Construction & development | $12.81M | 5.3% | |
| Agricultural | $63.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $481.85M | $437.72M | $2.29M | $35.30M |
| Jun 2023 | $478.30M | $421.58M | $2.85M | $38.33M |
| Jun 2024 | $517.21M | $463.14M | $2.33M | $43.33M |
| Jun 2025 | $522.79M | $466.48M | $1.92M | $48.19M |
| Jun 2026 | $583.49M | $490.39M | $2.36M | $52.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $490.39M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $490.39M.
Similar-sized banks
Wnb Financial, N.A. ($583.75M) · Bank Of The Valley ($581.92M)
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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