| Metric | Lumbee Guaranty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +4.9% | +6.7 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +8.2% | +5.3% | +2.9 pts |
| ROA | 0.83% | 1.28% | -0.5 pts |
| ROE | 9.1% | 12.4% | -3.4 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $583.5M | $490.4M | $240.8M | $52.1M | $2.4M | 0.83% | 3.00% | 0.15% |
| Q1 2026 | $559.6M | $494.1M | $232.8M | $52.0M | $1.2M | 0.82% | 2.98% | 0.14% |
| Q4 2025 | $561.4M | $496.4M | $228.7M | $51.7M | $4.1M | 0.78% | 2.94% | 0.11% |
| Q3 2025 | $539.7M | $485.3M | $224.4M | $51.1M | $3.0M | 0.77% | 2.94% | 0.23% |
| Q2 2025 | $522.8M | $466.5M | $222.4M | $48.2M | $1.9M | 0.74% | 2.91% | 0.30% |
| Q1 2025 | $508.3M | $452.7M | $217.5M | $47.9M | $954K | 0.74% | 2.91% | 0.36% |
| Q4 2024 | $519.9M | $466.1M | $216.5M | $45.1M | $3.8M | 0.74% | 2.87% | 0.16% |
| Q3 2024 | $522.9M | $466.5M | $210.9M | $47.6M | $3.3M | 0.84% | 2.82% | 0.15% |
Loan mix (Q2 2026): real estate $172.0M · commercial $14.9M · consumer $6.7M · securities $291.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lumbee Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 12.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 61.2% | 78th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lumbee Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lumbee Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lumbee Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lumbee Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.