Compared with North Carolina
12 of 20
compared fees are above the median.
7 below, 1 about the same.
About the same: within 1% of the median.
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
98th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the North Carolina median
of 20 compared; 7 below, 1 about the same
See the feesFee schedule read Oct 26, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Carolina median | Published fees above the North Carolina 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 | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 7.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
12 of 20 compared published fees sit above the North Carolina median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Carolina medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
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.
Service-charge income rose 1.3% from Q3 2025 to Q2 2026, to $387K. Its share of revenue, 7.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$387K
Lumbee Guaranty BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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 16 states.
| 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 Seacoast Bank | Dover, NH | $576M | Monthly maintenance not published | 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 |
| 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 · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.75 among 10 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 Oct 26, 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.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Lumbee Guaranty Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Lumbee Guaranty Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Lumbee Guaranty Bank by share.
Amounts from Lumbee Guaranty Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per year
per year
per statement · Copies Of Statement/Statement Printout $3/Statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee Per Remittance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Customer Account Balancing Waive first time | $10Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft/Return Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft/Return Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Withdrawal Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM / Debit Card Replacement Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks: Customer | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders: Customer | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment: In Branch | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: In Branch | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: Online | $26Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Images With Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Images With Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargebacks Per Item | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fees (Non-Customers) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 3x10x24: Customer | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10x24: Non-Customer | $57Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10x24**: Customer | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10x24**: Non-Customer | $57Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5x24: Customer | $37Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x5x24: Non-Customer | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5x24**: Customer | $37Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x5x24**: Non-Customer | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10x24: Customer | $52Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10x24: Non-Customer | $67Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10x24**: Customer | $52Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10x24**: Non-Customer | $67Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10x24: Customer | $62Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10x24: Non-Customer | $82Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10x24**: Customer | $62Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10x24**: Non-Customer | $82Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy / Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee After 60 Days | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee After 90 Days | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copies Of Statement/Statement Printout | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Print-out (2 free per month) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Print-out (2 free per month) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Research Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per year
per statement · Copies Of Statement/Statement Printout $3/Statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Returned Items: Special Instructions (per account) | $10 | Not stated | None |
Check Services | |||
| Money Orders: Customer | $3Inside the U.S. middle 50% ($2 to $3 nationally) | 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 | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: Online | $26Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Images With Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10x24**: Non-Customer | $57Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5x24**: Customer | $37Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x5x24**: Non-Customer | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10x24**: Customer | $52Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10x24**: Non-Customer | $67Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10x24**: Customer | $62Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10x24**: Non-Customer | $82Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy / Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy / Garnishment | $75 | Not stated | None |
Lending Fees | |||
| Late Fee After 60 Days | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee After 90 Days | $15Inside the U.S. middle 50% ($15 to $25 nationally) | 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 | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Print-out (2 free per month) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Research Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 26, 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.
Where Lumbee Guaranty Bank operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $490.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 11 | $445.7M |
| 3 | $44.7M |
Fayetteville, NC
0.9% of bank deposits, #12 of 14, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 27.2% |
| First-Citizens Bank & Trust Company | 20.8% |
| Bank of America, National Association | 14.5% |
| Wells Fargo Bank, National Association | 11.6% |
| PNC Bank, National Association | 7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fayetteville, NC, Lumbee Guaranty Bank holds 0.9% of bank deposits, #12 of 14, with 3 offices.
62 offices of 21 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 14 institutions shown. $5.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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
We check once a day and send one email covering every change.