🏦Bank Scorer

FIRST FSB OF LINCOLNTON

LINCOLNTON, NC · Supervised by OTS

Est. 1940FDIC #30,315
Outstanding Same

Current rating · Exam: March 2010

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

320 E Main St, LINCOLNTON, NC

County

Lincoln County

Established

January 1, 1940

Total Assets

$478M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 2010

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$478M

Total Deposits

$384M

Net Loans

$346M

Net Income

$778K

ROA

0.65%

ROE

3.83%

Risk-Based Capital

36.08%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.84%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$395M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416679.52%10.84%
202319285.42%8.85%
202228983.39%6.92%
201912673.81%19.05%
201831477.07%14.01%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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