C
First Federal Savings Bank of Lincolnton
Rating Date
October 2025
Risk Based
Capital Ratio
35.07
Leverage
Ratio
17.23
Return On
Assets
0.67%
Total
Assets
485.95M
Capital
78.47M
Total
Deposits
394.54M
Net
Income
1.60M
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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 1.40
Profitability Index 3.70
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 4.88%
5-Year Asset Growth 4.69%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 0.80%
Non-Performing Loans to Loans 0.20%
Balance Sheet First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Total Assets 485.95M
Total Deposits 394.54M
Capital and Reserves First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Capital 78.47M
Leverage Ratio 17.23
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 35.07
Liquidity First Federal Savings Bank of Lincolnton
Lincolnton, NC 		Click to
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Hot Money Ratio 31.72%
Liquidity Ratio 28.68%
Profitability First Federal Savings Bank of Lincolnton
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5-Year Return on Average Assets 0.78%
Net Income 1.60M
Net Interest Spread 2.84%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 70.55%
Return on Assets 0.67%
Return on Equity 4.16%