Lumbee Guaranty Bank
Pembroke, NC
IDRSSD: 651121
Total Assets
$539.73M
Latest filing
Total Deposits
$485.28M
Latest filing
Net Interest Margin
3.01%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Lumbee Guaranty Bank
403 E 3rd St
Pembroke, NC 28372
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/22/1971FDIC Certificate 14199
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Lumbee Guaranty Bank (Main) | 403 E 3rd St | Pembroke, NC |
| DOWNTOWN BRANCH | 600 N Pine St | Lumberton, NC |
| FAYETTEVILLE ROAD BRANCH | 4845 Fayetteville Rd | Lumberton,, NC |
| WEST FIFTH STREET | 2799 W 5th St | Lumberton, NC |
| MAXTON BRANCH | 104 E Dr Martin Luther King Jr Dr | Maxton, NC |
| ST. PAULS BRANCH | 306 S 5th St | Saint Pauls, NC |
| RED SPRINGS BRANCH | 215 E 4th Ave | Red Springs, NC |
| ROWLAND BRANCH | 201 N Bond St | Rowland, NC |
Showing 7 of 13
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Triad Business Bank
Greensboro, North Carolina
→
Assets: $531.33MΔ +1.6%
BlueHarbor Bank
Mooresville, North Carolina
→
Assets: $544.45MΔ +4.1%
Mechanics & Farmers Bank
Durham, North Carolina
→
Assets: $493.26MΔ -5.6%
First Federal Savings Bank of Lincolnton
Lincolnton, North Carolina
→
Assets: $485.95MΔ -7.0%
LifeStore Bank
West Jefferson, North Carolina
→
Assets: $474.04MΔ -9.3%
Bank of Oak Ridge
Oak Ridge, North Carolina
→
Assets: $674.72MΔ +29.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/22/1971 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 28372 |
| State and County Number | 37155 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Lumberton, NC |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 14 |
| 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 | 12/22/1971 |
| Primary Insurance Agency | DIF |
| Website | www.lumbeeguarantybank.com |
| Data Updated | 11/14/2025 |
| CERT | 20568 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $539.73M |
| Total Deposits | $485.28M |
| Total Liabilities | $488.64M |
| Total Equity Capital | $51.09M |
| Net Income | $1.12M |
| Net Loans and Leases | $224.45M |
| Assets Per Employee ($Millions) | $5.74M |
| Bank Premises and Fixed Assets | $8.35M |
| Cash and Balances due from Depository Institutions | $19.60M |
| Deposits Held in Domestic Offices | $485.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 9.01% |
| Net Interest Margin | 3.01% |
| Efficiency Ratio | 71.27% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 9.465% |
| Earning Assets to total Assets | 93.02% |
Income and Expense
| Total Interest Income | $5.33M |
| Total Noninterest Income | $830.00k |
| Total Interest Expense | $1.63M |
| Total Noninterest Expense | $3.23M |
| Net Interest Income | $3.71M |
| Pre-tax Net Operating Income | $1.31M |
| Provision for Credit Losses | $-3,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.36M |
| Total Liabilities and Capital | $539.73M |
Securities
| Securities | $264.50M |
| Available-for-sale debt securities | $121.02M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $143.49M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lumbee Guaranty Bank?
$539.73M as of the latest filing.
How much are Lumbee Guaranty Bank's total deposits?
$485.28M in total deposits.
Where is Lumbee Guaranty Bank located?
Pembroke, NC.
What is the Net Interest Margin?
3.01%.
How many domestic offices does it operate?
14.
When was it established?
12/22/1971.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$224.45M (latest filing).
What is the total interest income (latest filing)?
$5.33M.