LINCOLN STATE BANK

HANKINSON, ND | Small | Est. Aug. 3, 1903, midnight | FDIC #8390 | RSSD #667551 | FDIC
Latest Report: 2025-12-31

LINCOLN STATE BANK is asn small FDIC-insured commercial bank headquartered in HANKINSON, ND, established in Aug. 3, 1903, midnight. As of 2025-12-31, the bank reported total assets of $126M and total deposits of $106M. Profitability stands at 1.04% ROA and 14.68% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 7.19%. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.90%. FDIC Certificate #8390.

Assets

$126M

Deposits

$106M

Loans

$72M

Equity

$9M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 14.68%
Net Interest Margin (NIM) 3.67%
Yield on Assets 5.28%
Cost of Funds 1.60%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.12%
Texas Ratio 1.90%
NPA Ratio 0.15%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 7.19%
Tier 1 Capital 7.19%
Total Capital Ratio 7.55%
Leverage Ratio 9.68%
Loan-to-Deposit 67.38%

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