FIRST FSB OF LINCOLNTON
LINCOLNTON, NORTH CAROLINA · FDIC Cert #30315
Capital & Safety Analysis
According to FDIC financial data, FIRST FSB OF LINCOLNTON holds a Tier 1 capital ratio of 32.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST FSB OF LINCOLNTON has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST FSB OF LINCOLNTON shows strong financial health indicators. With $463M in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST FSB OF LINCOLNTON has a Bank Health Score of A (88/100). It holds a Tier 1 capital ratio of 32.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST FSB OF LINCOLNTON holds $463M in total assets and $376M in total deposits. It is located in LINCOLNTON, NORTH CAROLINA (FDIC Certificate #30315).
FIRST FSB OF LINCOLNTON has a Tier 1 capital ratio of 32.80%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.36%, and the return on assets is 0.74%.
Yes. FIRST FSB OF LINCOLNTON is FDIC-insured (Certificate #30315). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.