Lumbee Guaranty Bank is a bank based in Pembroke, North Carolina, established in 1971, with $560 million in total assets across 14 branches. By Trust Grade it ranks 18th of 38 banks we track in North Carolina. Its capital ratio of 9.3% trails most similarly sized banks (35th percentile), versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 0.82% return on assets. No consumer complaints against Lumbee Guaranty Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Lumbee Guaranty Bank compares to North Carolina peers
How we graded Lumbee Guaranty Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Profitable (ROA 0.82%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Lumbee Guaranty Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (14)
- 403 E 3rd St, Pembroke, NC 28372
- 600 N Pine St, Lumberton, NC 28358
- 4845 Fayetteville Rd, Lumberton,, NC 28358
- 2799 W 5th St, Lumberton, NC 28358
- 104 E Dr Martin Luther King Jr Dr, Maxton, NC 28364
- 306 S 5th St, Saint Pauls, NC 28384
- 215 E 4th Ave, Red Springs, NC 28377
- 201 N Bond St, Rowland, NC 28383
- 301 N Walnut St, Fairmont, NC 28340
- 720 Harris Ave, Raeford, NC 28376
- 403 E 3rd St, Pembroke, NC 28372
- 2315 Bloom Ave, Fayetteville, NC 28304
- 915 W 3rd St, Pembroke, NC 28372
- 2939 Village Drive, Fayetteville, NC 28304
Are deposits at Lumbee Guaranty Bank insured?
Yes. Lumbee Guaranty Bank is an FDIC-insured bank (FDIC certificate #20568). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Lumbee Guaranty Bank: frequently asked questions
Is Lumbee Guaranty Bank a good bank?
Lumbee Guaranty Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Profitable (ROA 0.82%).
Is Lumbee Guaranty Bank FDIC-insured?
Yes. Lumbee Guaranty Bank is a FDIC-insured bank (FDIC certificate #20568). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Lumbee Guaranty Bank?
Lumbee Guaranty Bank holds $560 million in total assets, ranking 18th of 38 banks we track in North Carolina. It operates 14 branches.
Does Lumbee Guaranty Bank have CFPB complaints?
No CFPB complaints against Lumbee Guaranty Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
