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This institution is no longer active

Operations ceased on June 15, 2000. CRA examination history below reflects the period it was active.

LINCOLN BANK OF NORTH CAROLINA

LINCOLNTON, NC · Supervised by FDIC

Est. 1983FDIC #24,505RSSD: FDIC-24505
Part ofCAROLINA FIRST BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.46%

Institution Profile

FDIC BankFind

Address

402 East Main Street, LINCOLNTON, NC

County

Lincoln County

Established

June 8, 1983

Total Assets

$508M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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)

Financial Snapshot

As of Q1 2000Call Report / FDIC

Total Assets

$508M

Total Deposits

$435M

Net Loans

$357M

Net Income

$2M

ROA

1.46%

ROE

17.98%

Risk-Based Capital

12.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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