Lincoln Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Lincoln Savings Bank is an FDIC-insured commercial bank headquartered in Reinbeck, IA, established in 1902 (FDIC certificate 14207), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.71B, down 3.6% from Q2 2025, the 16th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14207
- Headquarters
- Reinbeck, IA
- Established
- 1902
- Total assets, Q2 2026
- $1.71B
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 11.79%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 073905527
- Latest call report
- Q2 2026, FFIEC 041 · Lincoln Savings Bank call report
- Holding company
- LINCOLN BANCORP
- Asset rank in state
- 16th of 225 in Iowa
Problem loans are rising at Lincoln Savings Bank. The Reinbeck, Iowa bank had $1.7 billion in assets at June 30, 2026, down 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.04% of loans from 2.51% a year earlier. It earns about $0.38 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Delinquency has appeared in its $215 million non-owner-occupied commercial real estate book: 3.33% of those loans are past due or on nonaccrual, against almost none a year earlier. The commercial and industrial book ($232 million) is worsening: 3.02% of it is past due or on nonaccrual, up from 1.85% a year earlier. Credit is the area to watch: it carries problem assets equal to 33.2% of the capital and reserves that would absorb them, 9.3 times the median of 3.6% for banks its size.
As of June 30, 2026, Lincoln Savings Bank reported a CET1 capital ratio of 11.79%, a return on assets of 0.38%, a nonperforming-loan ratio of 4.32% and a Texas ratio of 33.20%. The figures come from its call report filed with the FFIEC.
Lincoln Savings Bank ranks as the 16th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.8% to $1.71B, loans rose 1.6% and deposits fell 4.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 19.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.2%. Its 16 offices in the FDIC Summary of Deposits are in 16 cities in IA; its Reinbeck office books 28% of its branch deposits. Judged on its Q2 2026 call report, Lincoln Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 508 Main St, Reinbeck, IA 50669
- County
- Grundy
- Metro Area
- Waterloo-Cedar Falls, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 218
- Domestic deposits
- $1.47B
- Allowance for credit losses
- $18.1M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $1.76B
- Average total loans
- $1.18B
- Average interest-bearing deposits
- $1.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 26, 1934
- FDIC Cert
- 14207
- Fed RSSD
- 589943
- SEC CIK
- 906205 → filed by LINCOLN BANCORP
- Website
- www.mylsb.com →
- Parent Holding Company
- LINCOLN BANCORP (RSSD 1210169)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Lincoln Savings Bank's total assets ranged from $1.71B (Q2 2026) to $1.89B (Q4 2023), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.71B total assets against $1.78B; $1.54B total liabilities against $1.63B.
$1.17B net loans and leases against $1.28B; $1.47B total deposits against $1.55B.
$296.6M securities against $292.6M; $118.5M cash and balances due against $64.9M.
$21.9M total interest income against $22.9M; $9.3M total interest expense against $11.9M.
$12.6M net interest income against $11.1M.
$2.8M total noninterest income against $3.3M; $13.5M total noninterest expense against $14.3M.
$161K provision for credit losses against $1.3M.
$1.7M net income against -$575K.
0.38% return on assets against -0.12%; 3.07% net interest margin against 2.57%.
11.79% CET1 capital ratio against 11.36%; 9.12% tier 1 leverage ratio against 8.72%.
Inside the full Lincoln Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Lincoln Savings Bank rankings
Its closest position to the top of a national ranking is 47 of 3,640, for Texas Ratio; its furthest is 3,400 of 3,606, for efficiency ratio.
Metric pages for Lincoln Savings Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.38% (Q1 2026) to 0.38% (Q2 2026) and its net interest margin ran from 2.25% (Q3 2024) to 3.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.79% | 0.38% | 4.32% | 33.20% | 3.07% |
| Q1 2026 | 12.27% | -2.38% | 4.01% | 29.67% | 2.83% |
| Q4 2025 | 12.16% | -0.23% | 3.13% | 28.23% | 2.73% |
| Q3 2025 | 11.74% | 0.18% | 3.38% | 29.29% | 2.88% |
| Q2 2025 | 11.36% | -0.12% | 2.70% | 26.30% | 2.57% |
| Q1 2025 | 11.09% | 0.05% | 1.23% | 13.32% | 2.69% |
| Q4 2024 | 10.61% | -0.71% | 0.87% | 11.48% | 2.50% |
| Q3 2024 | 11.07% | -0.51% | 1.44% | 16.02% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lincoln Savings Bank (main office) | Reinbeck , IA | 50669 | $410.4M |
| Lincoln Savings Bank - Clive Office | Clive , IA | 50325 | $178.3M |
| Cedar Falls Downtown Branch | Cedar Falls , IA | 50613 | $148.7M |
| Lincoln Savings Bank - Adel Office | Adel , IA | 50003 | $109.1M |
| Grinnell Branch | Grinnell , IA | 50112 | $83.1M |
| Ankeny Branch | Ankeny , IA | 50023 | $70.8M |
| Tower Park Branch | Waterloo , IA | 50701 | $69.6M |
| Greene Branch | Greene , IA | 50636 | $66.6M |
| Allison Branch | Allison , IA | 50602 | $66.1M |
| Tama Branch | Tama , IA | 52339 | $60.3M |
| Lincoln Savings Bank - Ingersoll Office Branch | Des Moines , IA | 50309 | $55.2M |
| Hudson Branch | Hudson , IA | 50643 | $48.2M |
| Aplington Branch | Aplington , IA | 50604 | $47.3M |
| Nashua Branch | Nashua , IA | 50658 | $28.3M |
| Garwin Branch | Garwin , IA | 50632 | $18.6M |
| Lincoln Branch | Lincoln , IA | 50652 | $14.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 3, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1999 | Structure Change | Acquired First Nashua State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1996 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 1995 | Structure Change | Acquired Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1991 | Structure Change | Acquired State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 1987 | Structure Change | Acquired State Bank of Allison Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 5, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in IA, rank 17 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 72 applications, 58 loans originated, $34.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.0M approved, $335K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lincoln Savings Bank
What are Lincoln Savings Bank's total assets?
As of the Q2 2026 filing, Lincoln Savings Bank reported total assets of $1.71 billion in its FFIEC call report.
Where is Lincoln Savings Bank headquartered?
It is headquartered in Reinbeck, IA, United States.
When was Lincoln Savings Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Lincoln Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lincoln Savings Bank?
Lincoln Savings Bank's primary federal regulator is the FDIC.
What is Lincoln Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lincoln Savings Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lincoln Savings Bank's Texas Ratio?
Its Texas Ratio is 33.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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