Is First FSB of Lincolnton Safe?
First FSB of Lincolnton has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (50/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 32.80% | 100/100 |
| Nonperforming Loan Ratio | 0.36% | 93/100 |
| Liquidity Ratio | 25.24% | 81/100 |
| Return on Assets | 0.74% | 50/100 |
| Total Assets | $0.5B | |
How does First FSB of Lincolnton compare?
With a Bank Health Score of 88/100, First FSB of Lincolnton sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, First FSB of Lincolnton ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 32.80% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.36% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First FSB of Lincolnton's Bank Health Score fell by 2.0 points to 88/100. Tier 1 capital weakened by 0.59 percentage points to 32.80%. Quarter-over-quarter, the score rose by 2.0 points.
First FSB of Lincolnton has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (50/100).