# LUMBEE GUARANTY BANK
PEMBROKE, NC · FDIC certificate 20568 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $583.5M | |
| Deposits | $490.4M | |
| Loans and leases | $242.0M | |
| Total equity | $52.1M | |
| Loans / deposits | 49.10% (p6 of band) | 82.04% |
| Liquid assets / assets | 52.72% (p94 of band) | |
| Uninsured deposits / deposits | 17.41% (p20 of band) | 25.97% |
| Brokered deposits | 0.86% | |
| Wholesale funding | 7.28% (p68 of band) | |
| FHLB advances / assets | 6.43% | |
| Tier 1 leverage | 10.71% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -55.97% (p3 of band) | -8.10% |
| AOCI / equity | -2.07% (p7 of band) | |
| ROA (annualized) | 0.83% (p23 of band) | 1.28% |
| Net interest margin | 3.00% (p10 of band) | 3.91% |
| Efficiency ratio | 71.55% (p76 of band) | |
| Noncurrent loans | 0.37% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 139.00% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 24.58% (p31 of band) | |
| Auto loans | $1.5M (0.62% of loans; DQ 3.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 | uninsured deposits leaving | capital falling |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 2 | construction >100% equity |  |
| 2014-06 | 1 |  | construction >100% equity |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | noncurrent p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | deposits shrinking, assets shrinking |  |
| 2018-06 | 2 |  | deposits shrinking, assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | noncurrent p90 |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 | securities losses >30% of equity | reserve under noncurrent |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2023-09 | 1 |  | reserve under noncurrent |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | uninsured deposits leaving |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2025-06 | 2 |  | uninsured deposits leaving |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2026-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-08 [Lumbee Guaranty Bank announces appointment of Mark D. Locklear to Board of Directors - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPcEc1c1d3NUplOTlwX0R6UFF1V3FIUE1KVzhWdC1UTnlyM1l5UjdMRjFvVkJBbFdFZFpSNnZWOHA0YUZBQXRNQW1wWnFRODd0aGtPN0xmRGxoaXJTSWl2YTVjcHZEb2d3MUNhZHR2WHcxUzVKZzExOEJyaWpCeVVXRnNXdUxDR1FZX09rMGNKVWFGYVdUcDNhZ1V0SFpuakZiTHQ4dzB1S3Bwb3d6d0otdzNvQXpuWHZvdjVOWVcxOGJRdjduYnlmR1BxeE5YYkdMdHJtOEo5MW9BTm81U3c?oc=5) · Greater Fayetteville Business Journal
- 2025-10-15 [Lumbee Guaranty Bank announces appointment of Allan Campbell to board of directors - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQaHFoM012ODJYbjlCQnBqVks4dnU2TzAtZXdzXzVSdEdaM3Z1b0k2bUpRMUdCemx4N0tqeURNNDh4SVJod2JEM1JsQ3gwZnk2OFdQY1lxMzZHM2NUeHIzZjB0T2VEZFpIcHRGeWRzbkw2d19xb3J0TXM5aGJDbHlSN0tLQV8zWVZURFZCQ3FOYnFKZmxHZjhkaFRlUVJmcGdzVzFpNjQtY1ZKZU4wbGhPdFg3ZWNfRjl4dlVSekNlS0J5M3JBb3F2eUJBeEJkdDdKdUNqWGZ1TWtZRWJkbTRB?oc=5) · Greater Fayetteville Business Journal
- 2014-02-24 [Lumbee Guaranty Bank to acquire Southern Bank's Red Springs branch - The Fayetteville Observer](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMEZrQ29xWHpHZXBmOUZ1cm9Bdm9LU3RPY25FRlVVVWRLTzRFel92NGJENEdRNkVxSEdzejZ3T3hWSF90al9UZjk2d0Q0ekNya04tNkVCd0VteWZJeHQ1MHljOE9fREhRZUg2VmhuWThiaW1uS0VyU0dzLU96T01IWDVGTjJoYlRhR2JYai1teHA2WDQ2NUV2TVkyOFYycHM?oc=5) · The Fayetteville Observer
- 2023-01-26 [Chavis appointed to the Lumbee Guaranty Bank board of directors - Robesonian](https://news.google.com/rss/articles/CBMisAFBVV95cUxPbld5RjRndWlHeHNGc1RJUDhuN19rNGprSjd5MGpWY29KcXUxaXFfNWxvLXlBWXJEcmVjbmtCZDBva1lpdEJXQWdBa0E5WFU3SnhfSFhHZ1N4TWQyWUhBQTM4UDM0cXBDTWFadU4xbkxLcFZwTzRkUTAwQzU1SmhLY2NkYy1QUmQ5ZkNKbXFYdXFqRFc2bGsxZjYwYlZGSXdSY2pqTjhTRHlibGlYUTRsVA?oc=5) · Robesonian
- 2025-01-25 [Lumbee Guaranty Bank Reports 1st Quarter 2023 Earnings - ACCESS Newswire](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNcEN2OUFtMmlGV0hLU1JuVXhqdWVockR0ZjVnYXR4VVR6YmJUejduTV9ORlZKSzBFMUZ3QjZXOW1mNGFNR3JlTWJOc21ZOWY0dy1YWkc4STM4ZGx2VXBHYUVjQ3l6Qmo3UFBsSlN3VHhpMkZfUTBmbzdqbDNwTUYySUl0QVBHZ2NINkRkWmtYYWw2Z0hmY1B1MlBRamFDSW8wNjZ4b0c3VTMwZWNKTlhqNWJXQU9EX1QxTW9LNHo3RHJ0UlpPZHRjTU1sN3dhNFJt?oc=5) · ACCESS Newswire
- 2024-07-18 [Bringing it all together: Lumbee Guaranty Bank is working to combine two Fayetteville locations into one to better serve customers - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMilwJBVV95cUxNVWNDdHJlU01nZ0Q1cU9pSmhwcTZJUzdvSjJCWkJseHhSV25pNnBKMEs5di0yLXBZSnpSVDh4RUVKRXVFMkVzT3pvZzRsLUZFQlFtSGk1SzJDOEw1dWhpbl91UE5NYzRrZGREWmQ0NURsMGRhTDR3UHZNT2hpYlJFaGJPZ01hWlVVYkR0X2l6S2RWUTdCbVBvdmlqVUFWNnJMY3pteENhRlFpZWs1MElpaXUxemJyM285Y255a0I0X1hra0NkRk9DYlZSNUR3aHNHYzZkQnFYc2N5S0daMTAzaXpBUy1qVnItYk84NE5MSjBIeDZjakJveGFCV1h1RUNSMXFlNVFHMWtpdURibVRmZzJSRkF1d1k?oc=5) · Greater Fayetteville Business Journal
- 2017-01-13 [Police arrest serial bank robber in Robeson County - WPDE](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMzlKQlA1X09PNlpBVVctZm81OGM2VVpEZGVHWnFVanpBc2FBTlZ3RDVXUDVBN21uX3BVcmhYRXl0ZnZyVG1WNVFwdURCUHktSHZpd0dwT3ZhWlhfWE8wS1RncGp4Q3Z5M25GZnZXWkZ6SU45TTMzb0ZtN3oyOGlmWV9oZ1FWYkp4N2JDa1pLSGZtdko2V2xkOU5wTGJxZ0NLbEpV?oc=5) · WPDE
- 2021-11-19 [Larry Chavis enters NC Banking Hall of Fame - Robesonian](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdTVsU05fTjF0YmFBcTdtb3U4dlRoU2h2LWFLWDZ1dV9SZzZWRDRORUNYZkx0clpZdFU1RkI2aVUxb2xrRE1xZFlEQWxWSHlLMERzQXZ3Z0U3OXFIVEN1UjJYLWFGZjV5eWRqNGdBczFJb29IZG92Vm12WjRRNmUtc05zcTZMMmt3eFZTT21kNHFsckNJSlE?oc=5) · Robesonian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20568 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "20568", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide