First Federal Savings Bank of Lincolnton
Lincolnton, NC
IDRSSD: 42372
Total Assets
$477.00M
Latest filing
Total Deposits
$383.08M
Latest filing
Net Interest Margin
3.06%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
253170884LINCOLNTON, NC
Key People
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Locations
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Main Office
First Federal Savings Bank of Lincolnton
320 E Main St
Lincolnton, NC 28092
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1940FDIC Certificate 43149
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings Bank of Lincolnton (Main) | 320 E Main St | Lincolnton, NC |
| BOGER CITY BRANCH | 2763 E Highway 27 | Lincolnton, NC |
| DENVER BRANCH | 3768 Nc-16 | Denver, NC |
| WEST LINCOLN BRANCH | 4461 W Highway 27 | Vale, NC |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1940 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 28092 |
| State and County Number | 37109 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charlotte-Concord-Gastonia, NC-SC |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.ffsb-nc.com |
| Data Updated | 01/30/2026 |
| CERT | 30315 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $477.00M |
| Total Deposits | $383.08M |
| Total Liabilities | $396.00M |
| Total Equity Capital | $81.00M |
| Net Income | $682.00k |
| Net Loans and Leases | $347.78M |
| Assets Per Employee ($Millions) | $10.37M |
| Bank Premises and Fixed Assets | $4.73M |
| Cash and Balances due from Depository Institutions | $32.61M |
| Deposits Held in Domestic Offices | $383.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.57% |
| Return on Equity (ROE) | 3.39% |
| Net Interest Margin | 3.06% |
| Efficiency Ratio | 76.46% |
| Tier 1 Risk-Based Capital Ratio | 34.404% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.981% |
| Earning Assets to total Assets | 95.6% |
Income and Expense
| Total Interest Income | $5.47M |
| Total Noninterest Income | $145.00k |
| Total Interest Expense | $2.00M |
| Total Noninterest Expense | $2.76M |
| Net Interest Income | $3.47M |
| Pre-tax Net Operating Income | $851.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.93M |
| Total Liabilities and Capital | $477.00M |
Securities
| Securities | $77.50M |
| Available-for-sale debt securities | $77.50M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings Bank of Lincolnton?
$477.00M as of the latest filing.
How much are First Federal Savings Bank of Lincolnton's total deposits?
$383.08M in total deposits.
Where is First Federal Savings Bank of Lincolnton located?
Lincolnton, NC.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1940.
What is the Return on Assets (ROA)?
0.57%.
How much are total loans and leases?
$347.78M (latest filing).
What is the total interest income (latest filing)?
$5.47M.