Lumbee Guaranty Bank
Pembroke, NC
IDRSSD: 651121
Total Assets
$561.38M
Latest filing
Total Deposits
$496.36M
Latest filing
Net Interest Margin
2.95%
Profitability
Key People
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Locations
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Main Office
Lumbee Guaranty Bank
403 E 3rd St
Pembroke, NC 28372
Full Service - Brick and Mortar
Updated 01/30/2026Established 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
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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 | 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 | 94 |
| 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 | 01/30/2026 |
| CERT | 20568 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $561.38M |
| Total Deposits | $496.36M |
| Total Liabilities | $509.69M |
| Total Equity Capital | $51.69M |
| Net Income | $1.11M |
| Net Loans and Leases | $228.74M |
| Assets Per Employee ($Millions) | $5.91M |
| Bank Premises and Fixed Assets | $10.20M |
| Cash and Balances due from Depository Institutions | $32.05M |
| Deposits Held in Domestic Offices | $496.36M |
Key Performance Ratios
| Return on Assets (ROA) | 0.81% |
| Return on Equity (ROE) | 8.63% |
| Net Interest Margin | 2.95% |
| Efficiency Ratio | 74.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.207% |
| Earning Assets to total Assets | 92.68% |
Income and Expense
| Total Interest Income | $5.60M |
| Total Noninterest Income | $847.00k |
| Total Interest Expense | $1.83M |
| Total Noninterest Expense | $3.43M |
| Net Interest Income | $3.77M |
| Pre-tax Net Operating Income | $1.26M |
| Provision for Credit Losses | $-79,000 |
| 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 | $3.34M |
| Total Liabilities and Capital | $561.38M |
Securities
| Securities | $267.30M |
| Available-for-sale debt securities | $119.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $148.27M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Lumbee Guaranty Bank?
$561.38M as of the latest filing.
How much are Lumbee Guaranty Bank's total deposits?
$496.36M in total deposits.
Where is Lumbee Guaranty Bank located?
Pembroke, NC.
What is the Net Interest Margin?
2.95%.
How many domestic offices does it operate?
14.
When was it established?
12/22/1971.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$228.74M (latest filing).
What is the total interest income (latest filing)?
$5.60M.