LINCOLN SAVINGS BANK

REINBECK, IA | Large | Est. Jan. 1, 1902, midnight | FDIC #14207 | RSSD #589943 | FDIC
Latest Report: 2025-12-31

LINCOLN SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in REINBECK, IA, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.5B. Profitability stands at -0.23% ROA and -2.63% ROE, with a net interest margin of 2.87%. The bank's CET1 capital ratio is 12.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.13% and a Texas Ratio of 26.93%. FDIC Certificate #14207.

Assets

$1.8B

Deposits

$1.5B

Loans

$1.2B

Equity

$155M

Profitability

Return on Assets (ROA) -0.23%
Return on Equity (ROE) -2.63%
Net Interest Margin (NIM) 2.87%
Yield on Assets 5.37%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 3.13%
Net Charge-Off Ratio 0.10%
Texas Ratio 26.93%
NPA Ratio 2.65%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 12.07%
Tier 1 Capital 12.07%
Total Capital Ratio 13.32%
Leverage Ratio 9.01%
Loan-to-Deposit 76.99%

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