Lumbee Guaranty Bank (FDIC #20568): Bank Stress & Real-Estate Credit Exposure
Lumbee Guaranty Bank (FDIC Cert #20568): bank stress 78/100, severe, STABLE over 7 days.
Lumbee Guaranty Bank (#20568) lends in 3 counties across 1 state; Lumbee Guaranty Bank (#20568) reaches 41 ZIP codes: North Carolina 3 counties, 41 ZIPs.
Lumbee Guaranty Bank (#20568) largest markets: Cumberland County, NC (50 branches, 25 ZIPs) (#20568), Robeson County, NC (176 branches, 16 ZIPs) (#20568), Hoke County, NC (9 branches, 9 ZIPs) (#20568).
Lumbee Guaranty Bank (#20568) reports $583.5 million in total assets; Lumbee Guaranty Bank (#20568) equity $52.1 million (8.9% of Lumbee Guaranty Bank (#20568) assets); Lumbee Guaranty Bank (#20568) domestic deposits $490.4 million; Lumbee Guaranty Bank (#20568) net income $2.4 million; Lumbee Guaranty Bank (#20568) return on assets 0.83%; Lumbee Guaranty Bank (#20568) return on equity 9.08%; Lumbee Guaranty Bank (#20568) net interest income $7.9 million; Lumbee Guaranty Bank (#20568) call report June 30, 2026.
Lumbee Guaranty Bank (#20568) noncurrent real-estate loans: none reported; Lumbee Guaranty Bank (#20568) net charge-offs on real estate 0.49%; Lumbee Guaranty Bank (#20568) residential charge-offs 0.84%.
Lumbee Guaranty Bank (#20568) net interest margin 3.00% against an eight-quarter Lumbee Guaranty Bank (#20568) average of 2.92% (Lumbee Guaranty Bank (#20568) compression -0.07 points); Lumbee Guaranty Bank (#20568) non-residential real estate 83.7% of equity; Lumbee Guaranty Bank (#20568) rate-exposure score 40/100, Lumbee Guaranty Bank (#20568) fixed-rate trap 40/100; Lumbee Guaranty Bank (#20568) risk type credit driven; Lumbee Guaranty Bank (#20568) rate regime rates elevated, Lumbee Guaranty Bank (#20568) snapshot October 19, 2026.
Lumbee Guaranty Bank (#20568) stress score moved from 74.9 on June 22, 2026 to 77.7 on October 20, 2026; Lumbee Guaranty Bank (#20568) ranged 74.9 to 77.7 over 117 snapshots.
Lumbee Guaranty Bank (#20568) alerts: 3 counties; top Lumbee Guaranty Bank (#20568) alert scores: Fayetteville County, NC 25 (low); Raeford County, NC 25 (low); Saint Pauls County, NC 25 (low).