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910-521-9707
403 East Third Street
Pembroke, NC 28372

Lumbee Guaranty Bank is headquartered in Pembroke and is the 26th largest bank in the state of North Carolina. It is also the 2,103rd largest bank in the nation. It was established in 1971 and as of December of 2017, it had grown to 104 employees at 14 locations. Lumbee Guaranty Bank has a B health rating.

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Reviews (2)

My First Bank as a Teenager (Lumbee Guaranty Bank)

Let me just say when I first starting banking at Lumbee Guaranty Bank I absolutely loved it. They weren't all these off the fees that other banks charge. Then about a year and a half in I received a letter in the mail with a list of fees. The letter stated that this list of fees would go into effect on a certain date and that if you didn't keep $500 in the bank at all times a certain fee would be imposed every month (something like $6 or $7). Keeping $500 in the bank at all times is asking a lot of a college student in my opinion. This $6 or $7 seemed to always overdraft my bank account and then a newly imposed overdraft was always added to the negative balance in my bank account. The fees were ridiculous. Needless to say, I took my banking business elsewhere.

Debit Visa Card Use

Posted by: sawyeredup | Aug 5, 2011

  This is the worst card that I have ever used I can have $2000.00 in the bank and my card will be declined 4 out of 5 times in one day for as low as $197.00 purchase.  My son has an account here also and he has the same problem.  It is very imbarassing and you do not trust just going and buying something  must go to cash machine and get cash. Can;t by anything online it declines the card . They offer a no fee on 10 debit visa transactions a month, but I can never use my card. lOOKING FOR NEW BANK . WOULD NOT RECOMMEND.



Health

Health Grade Components

Overall
FDIC Certificate #20568
Year Established1971
Employees104
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.18%
Annual Interest Income$12.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$319.4MM$332.6MM
LoansQ4 2017vs Q4 2016$174.9MM$171.6MM
DepositsQ4 2017vs Q4 2016$276.8MM$290.9MM
Equity CapitalQ4 2017vs Q4 2016$36.4MM$34.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.2MM$2.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$5.0MM$4.1MM
Real Estate OwnedQ4 2017vs Q4 2016$515.00K$715.00K
Rates
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Lumbee Guaranty Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%$5k-15 Month CD Special
1.26%$5k-9 Month CD Special

Lumbee Guaranty Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.77%$500-36 Month Fixed IRA
1.26%$500-18 Month Fixed IRA
1.26%$100-18 Month Variable Rate IRA
Locations

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