Lumbee Guaranty Bank

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.55%	18-month CD	15 Month CD Special 1.45% - Synchrony Bank 18 Month CD
0.40%	6-month CD	9 Month CD Special 0.38% - National Average
0.75%	4-year CD	48 Month CD Special 1.80% - Goldman Sachs Bank USA 4 Year CD

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Overview / Commentary

www.lumbeeguarantybank.com

910-521-9707 ext 215 or 251

403 East Third Street
Pembroke, NC 28372

Lumbee Guaranty Bank is headquartered in Pembroke and is the 30^th largest bank in the state of North Carolina. It is also the 2,027^th largest bank in the nation. It was established in 1971 and as of March of 2017, it had grown to 104 employees at 14 locations. Lumbee Guaranty Bank has a B+ health rating.

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.

Comment

3

Health

B+

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	20568
Year Established	1971
Employees	104
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	6.9%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$333.7MM$324.5MM
Loans	Q1 2017vs Q1 2016	$172.6MM$175.6MM
Deposits	Q1 2017vs Q1 2016	$290.9MM$282.4MM
Equity Capital	Q1 2017vs Q1 2016	$35.5MM$34.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$2.5MM$2.6MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$5.0MM$4.3MM
Real Estate Owned	Q1 2017vs Q1 2016	$499.00K$768.00K

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