Lumbee Guaranty Bank

Headquarters: Pembroke, North Carolina
Charter: Bank
Assets: $583.5M
Fed district: Richmond
Regulator: FDIC

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Lumbee Guaranty Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Lumbee Guaranty Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Lumbee Guaranty Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $387K in Q2 2026, 2.1% above the same quarter a year earlier ($379K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Lumbee Guaranty Bank: $35
Lumbee Guaranty Bank: $35
U.S. median: no median
NSF / Returned Item
Lumbee Guaranty Bank: $35
Lumbee Guaranty Bank: $35
U.S. median: no median
Non-Network ATM
Lumbee Guaranty Bank: $2
Lumbee Guaranty Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 1.3% from Q3 2025 to Q2 2026, to $387K.

Service-charge income, Q2 2026

$387K

$382KQ3 2025

$380KQ4 2025

$386KQ1 2026

$387KQ2 2026

Against the median

Lumbee Guaranty BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Lumbee Guaranty Bank · $583M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$570M to $597M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Lumbee Guaranty Bank(this institution)	Pembroke, NC	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Holly Springs	Holly Springs, MS	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Baraboo State Bank	Baraboo, WI	$570M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bay State Savings Bank	Worcester, MA	$580M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cattlemens Bank	Altus, OK	$595M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank Minnesota	New Ulm, MN	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cottonport Bank	Cottonport, LA	$582M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Crest Savings Bank	Wildwood, NJ	$594M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross Bank	Wynne, AR	$593M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of Lorain	Lorain, OH	$574M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank & Trust Company of McAlester	McAlester, OK	$580M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank and Trust Company	Madisonville, KY	$591M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNBC Bank & Trust	La Grange, IL	$582M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gulf Capital Bank	Houston, TX	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hyperion Bank	Philadelphia, PA	$570M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lee Bank	Lee, MA	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples National Bank of Kewanee	Kewanee, IL	$588M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pineland Bank	Alma, GA	$597M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PremierBank	Fort Atkinson, WI	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PyraMax Bank, FSB	Greenfield, WI	$589M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Regional Missouri Bank	Marceline, MO	$597M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
SouthTrust Bank, N.A.	George West, TX	$579M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Falls City National Bank	Falls City, TX	$597M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank of Union	Union, MO	$578M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Washington Savings Bank	Effingham, IL	$585M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
WNB FINANCIAL, N.A.	Winona, MN	$584M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Lumbee Guaranty Bank does not publish a monthly maintenance fee in the index.

The peer median is $6.50 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Lumbee Guaranty Bank does not publish a monthly maintenance fee, so it is not on this chart.

Lumbee Guaranty BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Lumbee Guaranty Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $387K
vs prior quarter: +$1K+0.3%; from Q1 2026
vs a year earlier: +$8K+2.1%; from Q2 2025
vs start of range: +$6K+1.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Lumbee Guaranty Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$387K	+$1K	+0.3%
Q1 2026	$386K	+$6K	+1.6%
Q4 2025	$380K	−$2K	−0.5%
Q3 2025	$382K	+$3K	+0.8%
Q2 2025	$379K	$0	0.0%
Q1 2025	$379K	+$9K	+2.4%
Q4 2024	$370K	−$11K	−2.9%
Q3 2024	$381K	+$6K	+1.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Lumbee Guaranty Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure$25
Dormant Account Fee$3
per month
Escheat Fee Per Remittance$10
Customer Account Balancing Waive first time$10

Overdraft & NSF

Overdraft/Return Item Fee$35
Overdraft/Return Item Fee$35

ATM & Card

Foreign ATM Withdrawal Fee$2
ATM / Debit Card Replacement Fee$3

Check Services

Cashier Checks: Customer$6
Money Orders: Customer$3
Stop Payment: In Branch$32
Stop Payment: In Branch$32
Stop Payment: Online$26
Counter Checks$0.50
Check Images With Statement$5
Check Images With Statement$5

Digital & Electronic

Bill PaymentNo charge

Cash & Deposit

Chargebacks Per Item$5
per item

Account Services

Notary Fees (Non-Customers)$5
3x10x24: Customer$42
3x10x24: Non-Customer$57
3x10x24**: Customer$42
3x10x24**: Non-Customer$57
3x5x24: Customer$37
per year
3x5x24: Non-Customer$42
3x5x24**: Customer$37
per year
3x5x24**: Non-Customer$42
5x10x24: Customer$52
5x10x24: Non-Customer$67
5x10x24**: Customer$52
5x10x24**: Non-Customer$67
7x10x24: Customer$62
7x10x24: Non-Customer$82
7x10x24**: Customer$62
7x10x24**: Non-Customer$82
Levy / Garnishment$75

Lending Fees

Late Fee After 60 Days$10
Late Fee After 90 Days$15

Gift & Prepaid Cards

Gift Cards$3.50

Other Fees

Copies Of Statement/Statement Printout$3
Copies Of Statement/Statement Printout$3
Not compared: Charged per statement; comparison unavailable
per statement · Copies Of Statement/Statement Printout $3/Statement
Statement Copy$3
Statement Print-out (2 free per month)$1
Statement Print-out (2 free per month)$1
Statement Research Copy$1

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$25	Not stated	None
Dormant Account Fee	$3	per month	None
Escheat Fee Per Remittance	$10	Not stated	None
Customer Account Balancing Waive first time	$10	Not stated	None
Overdraft & NSF
Overdraft/Return Item Fee	$35	Not stated	None
Overdraft/Return Item Fee	$35	Not stated	None
ATM & Card
Foreign ATM Withdrawal Fee	$2	Not stated	None
ATM / Debit Card Replacement Fee	$3	Not stated	None
Check Services
Cashier Checks: Customer	$6	Not stated	None
Money Orders: Customer	$3	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: Online	$26	Not stated	None
Counter Checks	$0.50	Not stated	None
Check Images With Statement	$5	Not stated	None
Check Images With Statement	$5	Not stated	None
Digital & Electronic
Bill Payment	No charge	Not stated	None
Cash & Deposit
Chargebacks Per Item	$5	per item	None
Account Services
Notary Fees (Non-Customers)	$5	Not stated	None
3x10x24: Customer	$42	Not stated	None
3x10x24: Non-Customer	$57	Not stated	None
3x10x24**: Customer	$42	Not stated	None
3x10x24**: Non-Customer	$57	Not stated	None
3x5x24: Customer	$37	per year	None
3x5x24: Non-Customer	$42	Not stated	None
3x5x24**: Customer	$37	per year	None
3x5x24**: Non-Customer	$42	Not stated	None
5x10x24: Customer	$52	Not stated	None
5x10x24: Non-Customer	$67	Not stated	None
5x10x24**: Customer	$52	Not stated	None
5x10x24**: Non-Customer	$67	Not stated	None
7x10x24: Customer	$62	Not stated	None
7x10x24: Non-Customer	$82	Not stated	None
7x10x24**: Customer	$62	Not stated	None
7x10x24**: Non-Customer	$82	Not stated	None
Levy / Garnishment	$75	Not stated	None
Lending Fees
Late Fee After 60 Days	$10	Not stated	None
Late Fee After 90 Days	$15	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.50	Not stated	None
Other Fees
Copies Of Statement/Statement Printout	$3	Not stated	None
Copies Of Statement/Statement Printout	$3Not compared: Charged per statement; comparison unavailable	per statement	Copies Of Statement/Statement Printout $3/Statement
Statement Copy	$3	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Research Copy	$1	Not stated	None

Overdraft & NSF

Returned Items: Special Instructions (per account)$10

Check Services

Money Orders: Customer$3
Money Orders: Customer$3
In-House Stop Payment$32
Online Stop Payment$26
Stop Payment: In Branch$32
Stop Payment: Online$26
Check Images With Statement$5

Digital & Electronic

ACH Returned Item$3
Online Bill PaymentNo charge

Cash & Deposit

Pick-Up Charge Backs$5
Night Depository Service (per drop)$2

Account Services

3x10x24**: Customer$42
3x10x24**: Non-Customer$57
3x5x24**: Customer$37
per year
3x5x24**: Non-Customer$42
5x10x24**: Customer$52
5x10x24**: Non-Customer$67
7x10x24**: Customer$62
7x10x24**: Non-Customer$82
Levy / Garnishment$75
Levy / Garnishment$75

Lending Fees

Late Fee After 60 Days$10
Late Fee After 90 Days$15

Other Fees

Copies Of Statement/Statement Printout$3
Not compared: Charged per statement; comparison unavailable
per statement · Copies Of Statement/Statement Printout $3/Statement
Statement Copy$3
Statement Print-out (2 free per month)$1
Statement Research Copy$1

Fee	Amount	Basis	Note
Overdraft & NSF
Returned Items: Special Instructions (per account)	$10	Not stated	None
Check Services
Money Orders: Customer	$3	Not stated	None
Money Orders: Customer	$3	Not stated	None
In-House Stop Payment	$32	Not stated	None
Online Stop Payment	$26	Not stated	None
Stop Payment: In Branch	$32	Not stated	None
Stop Payment: Online	$26	Not stated	None
Check Images With Statement	$5	Not stated	None
Digital & Electronic
ACH Returned Item	$3	Not stated	None
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
Pick-Up Charge Backs	$5	Not stated	None
Night Depository Service (per drop)	$2	Not stated	None
Account Services
3x10x24**: Customer	$42	Not stated	None
3x10x24**: Non-Customer	$57	Not stated	None
3x5x24**: Customer	$37	per year	None
3x5x24**: Non-Customer	$42	Not stated	None
5x10x24**: Customer	$52	Not stated	None
5x10x24**: Non-Customer	$67	Not stated	None
7x10x24**: Customer	$62	Not stated	None
7x10x24**: Non-Customer	$82	Not stated	None
Levy / Garnishment	$75	Not stated	None
Levy / Garnishment	$75	Not stated	None
Lending Fees
Late Fee After 60 Days	$10	Not stated	None
Late Fee After 90 Days	$15	Not stated	None
Other Fees
Copies Of Statement/Statement Printout	$3Not compared: Charged per statement; comparison unavailable	per statement	Copies Of Statement/Statement Printout $3/Statement
Statement Copy	$3	Not stated	None
Statement Print-out (2 free per month)	$1	Not stated	None
Statement Research Copy	$1	Not stated	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Lumbee Guaranty Bank operates, and what regulators and customers have on file.

Market position

In Fayetteville, NC, Lumbee Guaranty Bank holds 0.9% of bank deposits, #12 of 14, with 3 offices.

Compare fees with the 20 Fayetteville, NC banks and credit unions in its home-metro peer set →

Offices in the metro

62 offices of 21 institutions shown.

Lumbee Guaranty BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Fayetteville, NC metro (FDIC metro code 22180), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 5 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Truist Bank27.2%
2First-Citizens Bank & Trust Company20.8%
3Bank of America, National Association14.5%
4Wells Fargo Bank, National Association11.6%
5PNC Bank, National Association7.0%
6First Bank5.2%
7United Bank3.2%
8The Fidelity Bank2.7%
12Lumbee Guaranty Bank0.9%

9 of 14 institutions shown. $5.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Fayetteville, NC metro (FDIC metro code 22180)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.9% share, 3 offices, #12 of 14

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Fayetteville, NC metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

18 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Get an email when Lumbee Guaranty Bank's foreign transaction changes in our data

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