Lincoln Federal Savings Bank of Nebraska: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Lincoln Federal Savings Bank of Nebraska spends more to run itself than most banks of its size. It reported $387 million in assets at June 30, 2026, up 4.0% from a year earlier. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The non-owner-occupied commercial real estate book ($43 million) is worsening: 1.86% of it is past due or on nonaccrual, up from 0.12% a year earlier. Unrealized losses on its securities total $9.2 million, equal to 20% of Tier 1 capital, against 24% a year earlier. Its margin is thin by comparison: it keeps 2.31 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Lincoln Federal Savings Bank of Nebraska reported a CET1 capital ratio of 18.27%, a return on assets of 0.33%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.95%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 8400 Maddox Dr, Lincoln, NE 68520
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- Lincoln FSB of Nebraska (1990)
- Offices
- 13 domestic
- Employees (FTE)
- 83
- Domestic deposits
- $326.5M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- -$71K
- Average total assets
- $393.3M
- Average total loans
- $288.8M
- Average interest-bearing deposits
- $309.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29692
- Fed RSSD
- 529275
- Website
- www.lincolnfed.com →
- Parent Holding Company
- LINCOLN FEDERAL BANCORP, INC. (RSSD 3824300)
- Ultimate Parent
- LINCOLN FEDERAL BANCORP, M.H.C. (RSSD 3824346)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lincoln Federal Savings Bank of Nebraska terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lincoln Federal Savings Bank of Nebraska, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Lincoln Federal Savings Bank of Nebraska rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.27% | 0.33% | 0.40% | 2.95% | 2.31% |
| Q1 2026 | 18.60% | 0.41% | 0.54% | 3.61% | 2.32% |
| Q4 2025 | 18.37% | 0.34% | 0.47% | 3.26% | 2.21% |
| Q3 2025 | 19.65% | 0.53% | 0.24% | 1.62% | 2.09% |
| Q2 2025 | 20.16% | -0.03% | 0.26% | 1.72% | 1.84% |
| Q1 2025 | 20.24% | -0.23% | 0.26% | 1.94% | 1.57% |
| Q4 2024 | 20.51% | -0.26% | 0.30% | 2.02% | 1.39% |
| Q3 2024 | 19.96% | 0.02% | 1.03% | 6.87% | 0.90% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lincoln Fsb of Nebraska | Lincoln , NE | 68520 | $50.2M |
| 631 West 2nd Branch | Hastings , NE | 68901 | $44.9M |
| East O Street - Branch 7 | Lincoln , NE | 68510 | $34.3M |
| South Dewey Branch | North Platte , NE | 69101 | $27.0M |
| Omaha - Branch 12 | Omaha , NE | 68118 | $24.9M |
| Fremont Branch | Fremont , NE | 68025 | $24.4M |
| 221 Norris Avenue Branch | Mccook , NE | 69001 | $21.7M |
| Blair Branch | Blair , NE | 68008 | $21.4M |
| Chief Branch | Benkelman , NE | 69021 | $17.8M |
| Superior Street Branch | Lincoln , NE | 68521 | $16.6M |
| Old Cheney | Lincoln , NE | 68526 | $14.7M |
| 720 4th Avenue Branch | Holdrege , NE | 68949 | $14.4M |
| Wilderness Hill Branch | Lincoln , NE | 68516 | $14.2M |
Regulatory record
What the public regulatory sources show for Lincoln Federal Savings Bank of Nebraska, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS))
- June 20, 2024, OCC: Formal Agreement: Lincoln FSB of Nebraska
- March 20, 2013, OCC: Civil Money Penalty (CMP): Lincoln FSB of Nebraska
- December 19, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Lincoln FSB of Nebraska
- October 6, 2009, OCC (former OTS): Cease and Desist: Lincoln Federal Savings Bank of Nebraska
- Period: Most recent institution action June 20, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NE, rank 59 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,345 applications, 1,120 loans originated, $321.4M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Lincoln Federal Savings Bank of Nebraska
What are Lincoln Federal Savings Bank of Nebraska's total assets?
As of the Q2 2026 filing, Lincoln Federal Savings Bank of Nebraska reported total assets of $387.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lincoln Federal Savings Bank of Nebraska headquartered?
Lincoln Federal Savings Bank of Nebraska is headquartered in Lincoln, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Lincoln Federal Savings Bank of Nebraska founded?
Lincoln Federal Savings Bank of Nebraska was established in 1906, per the FDIC institution directory.
Is Lincoln Federal Savings Bank of Nebraska FDIC-insured?
Yes. Lincoln Federal Savings Bank of Nebraska is an FDIC-insured savings institution (FDIC Certificate #29692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lincoln Federal Savings Bank of Nebraska?
Lincoln Federal Savings Bank of Nebraska's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lincoln Federal Savings Bank of Nebraska's CET1 capital ratio?
Lincoln Federal Savings Bank of Nebraska reported a Common Equity Tier 1 (CET1) capital ratio of 18.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lincoln Federal Savings Bank of Nebraska operate?
Lincoln Federal Savings Bank of Nebraska operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lincoln Federal Savings Bank of Nebraska's Texas Ratio?
Lincoln Federal Savings Bank of Nebraska's Texas Ratio is 2.95% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Lincoln Federal Savings Bank of Nebraska previously called?
The charter now named Lincoln Federal Savings Bank of Nebraska has also operated as Lincoln FSB of Nebraska (1990), per FDIC structure-change records.
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