C
First Federal Savings Bank of Lincolnton
Rating Date
June 2026
Risk Based
Capital Ratio
36.08
Leverage
Ratio
17.75
Return On
Assets
0.65%
Total
Assets
478.39M
Capital
81.71M
Total
Deposits
383.75M
Net
Income
778.00K
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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 9.80
Capitalization Index 10.00
Liquidity Index 1.00
Profitability Index 3.50
Stability Index 8.10
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 -0.68%
5-Year Asset Growth 2.36%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 1.25%
Non-Performing Loans to Loans 0.32%
Balance Sheet First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Total Assets 478.39M
Total Deposits 383.75M
Capital and Reserves First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Capital 81.71M
Leverage Ratio 17.75
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 36.08
Liquidity First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Hot Money Ratio 33.59%
Liquidity Ratio 27.79%
Profitability First Federal Savings Bank of Lincolnton
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5-Year Return on Average Assets 0.79%
Net Income 778.00K
Net Interest Spread 2.98%
Operating Profit to Average Assets 0.82%
Overhead Efficiency Ratio 72.78%
Return on Assets 0.65%
Return on Equity 3.83%