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 First Federal Savings Bank of Lincolnton
First Federal Savings Bank of Lincolnton
| RSSD ID 42372 | CERTIFICATE 30315 | ABA NUMBER 253170884 |
| 320 E Main St |
Quarter Ended : |
2025-12-31 |
| Lincolnton, North Carolina, 28092 |
Updated : |
2026-01-27 |
| www.ffsb-nc.com |
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| Institution Profile |
| Year Opened : |
1940 |
Institution Type : |
Savings bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Mortgage Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
46 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 477,003 |
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Total Interest Income | 21,812 |
| Total Liabilities | 396,005 |
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Total NonInterest Income | 455 |
| Total Bank Equity Capital | 80,998 |
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Total Interest Expense | 8,154 |
| Total Deposits | 383,079 |
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Total NonInterest Expense | 10,064 |
| Net Loans & Leases | 347,778 |
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Net Income | 3,222 |
| Loan Loss Allowance | 3,638 |
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Net Charge Offs | 1 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 87,186 |
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Total loans | 353,842 |
| Total assets for the leverage ratio | 475,194 |
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Loans secured by real estate: | 350,900 |
| Tier 1 Leverage Ratio | 17.7 |
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Commercial and industrial loans | 1,852 |
| Tier 1 Capital Ratio | 34.4 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 35.66 |
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Loans to individuals - Other | 1,090 |
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:· First Federal Savings Bank of Lincolnton
