C
First Federal Savings Bank of Lincolnton
Rating Date
March 2026
Risk Based
Capital Ratio
35.66
Leverage
Ratio
17.70
Return On
Assets
0.68%
Total
Assets
477.00M
Capital
81.00M
Total
Deposits
383.08M
Net
Income
3.22M
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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 0.90
Profitability Index 3.60
Stability Index 7.80
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 1.05%
5-Year Asset Growth 2.36%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 1.03%
Non-Performing Loans to Loans 0.26%
Balance Sheet First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Total Assets 477.00M
Total Deposits 383.08M
Capital and Reserves First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Capital 81.00M
Leverage Ratio 17.70
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 35.66
Liquidity First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Hot Money Ratio 34.39%
Liquidity Ratio 26.91%
Profitability First Federal Savings Bank of Lincolnton
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5-Year Return on Average Assets 0.78%
Net Income 3.22M
Net Interest Spread 2.92%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 71.31%
Return on Assets 0.68%
Return on Equity 4.11%