Lumbee Guaranty Bank

403 East Third Street
Pembroke, NC 28372


General Bank Information

FDIC Insured Yes
FDIC Certificate # 20568
Date Established 1971
Assets $0.32 billion
Loans $0.17 billion
Deposits $0.28 billion
Capital $0.04 billion

Lumbee Guaranty Bank is an FDIC insured institution located in Pembroke, NC. It was founded in 1971 and has approximately $0.32 billion in assets. Customers can open an account at one of its 15 branches.

For a more detailed analysis of Lumbee Guaranty Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Lumbee Guaranty Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in North Carolina, Lumbee Guaranty Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.25
Credit Card Loans 0.00
Consumer Auto Loans 0.33
Small Business Loans 28.43
Construction and Development Loans 14.26
Commercial Real Estate 41.12
Commercial and Industrial Loans 5.19
Farm Loans 0.13

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Lumbee Guaranty Bank, but see these great savings and CD rates:

1.20% APY Online Savings Account from Ally Bank
1.50% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Lumbee Guaranty Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
3.760% 3.750% 0.13 $298 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Lumbee Guaranty Bank
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Financial Details

Lumbee Guaranty Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lumbee Guaranty Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lumbee Guaranty Bank U.S. Bank Average
13.52% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Lumbee Guaranty Bank had $4,805,000 in non-current loans and $393,000 in owned real estate. To cover these potential losses it had $36,033,000 in equity and $2,403,000 in loans loss reserves. That gives it a Texas Ratio of 13.52%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Lumbee Guaranty Bank U.S. Bank Average
6.69% 8.58

Lumbee Guaranty Bank has a Return on Equity of 6.69% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Lumbee Guaranty Bank U.S. Bank Average
11.17% 12.11

Lumbee Guaranty Bank has a Capitalization of 11.17% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Lumbee Guaranty Bank Balance Sheet Analysis

As of June 30, 2017, Lumbee Guaranty Bank had assets of $322,594,000, loans of $172,493,000, and deposits of $279,470,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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