C
First Federal Savings Bank of Lincolnton
Rating Date
April 2025
Risk Based
Capital Ratio
33.78
Leverage
Ratio
17.29
Return On
Assets
0.47%
Total
Assets
472.03M
Capital
75.59M
Total
Deposits
376.35M
Net
Income
2.17M
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Weiss Ratings First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 1.40
Profitability Index 0.70
Stability Index 8.30
Company Info First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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FDIC Number 30315
Phone Number (704) 735-0416
Website www.ffsb-nc.com
Asset Quality First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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1-Year Asset Growth 6.34%
5-Year Asset Growth 4.69%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.20%
Non-Performing Loans to Capital 1.09%
Non-Performing Loans to Loans 0.27%
Balance Sheet First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Total Assets 472.03M
Total Deposits 376.35M
Capital and Reserves First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Capital 75.59M
Leverage Ratio 17.29
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio 33.78
Liquidity First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Hot Money Ratio 32.45%
Liquidity Ratio 27.90%
Profitability First Federal Savings Bank of Lincolnton
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5-Year Return on Average Assets 0.91%
Net Income 2.17M
Net Interest Spread 2.77%
Operating Profit to Average Assets 0.67%
Overhead Efficiency Ratio 76.09%
Return on Assets 0.47%
Return on Equity 2.92%