Bank · FDIC insured
Lumbee Guaranty Bank
A $583.5M bank headquartered in Pembroke, NC, with 13 branches in North Carolina.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.25%Needs another account or monthly activityCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lumbee Guaranty Bank
Founded in 1971 as a state-chartered Native American-owned Minority Depository Institution, Lumbee Guaranty Bank is headquartered in Pembroke, North Carolina.
Originally incorporated as Lumbee Bank before adopting its current name in 1991, the bank now operates with over 1,700 shareholders.
- Headquarters
- 403 E 3rd St, Pembroke, NC 28372
- FDIC certificate
- 20568 ↗
Branches
13 branches in North Carolina
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North Carolina
13 branches
Lumberton area · 10
- Lumbee Guaranty BankMain office403 E 3rd St, Pembroke, NC 28372Directions
- Fairmont Branch301 N Walnut St, Fairmont, NC 28340Directions
- Downtown Branch600 N Pine St, Lumberton, NC 28358Directions
- Fayetteville Road Branch4845 Fayetteville Rd, Lumberton, NC 28358Directions
- West Fifth Street2799 W 5th St, Lumberton, NC 28358Directions
- Maxton Branch104 E Dr Martin Luther King Jr Dr, Maxton, NC 28364Directions
- University Plaza Branch915 W 3rd St, Pembroke, NC 28372Directions
- Red Springs Branch215 E 4th Ave, Red Springs, NC 28377Directions
- Rowland Branch201 N Bond St, Rowland, NC 28383Directions
- St. Pauls Branch306 S 5th St, St. Pauls, NC 28384Directions
Fayetteville area · 3
- Lake Rim Branch2315 Bloom Ave, Fayetteville, NC 28304Directions
- Village Drive Branch2939 Village Drive, Fayetteville, NC 28304Directions
- Raeford Branch 63720 Harris Ave, Raeford, NC 28376Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.71% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.37% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.83% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $49 | $81 | — |
- CapitalLeverage ratio10.71%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.37%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.83%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$49Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lumbee Guaranty Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.