Lincoln Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lincoln Savings Bank of Reinbeck, IA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.38% | 1.46% | -1.08% | 6th bottom |
| ROAE | 4.00% | 12.72% | -8.72% | 8th bottom |
| Net Interest Margin | 3.07% | 3.85% | -0.78% | 17th bottom |
| Efficiency Ratio | 86.22% | 57.39% | +28.83% | 4th bottom |
| PPNR / Avg Assets | 0.44% | 1.88% | -1.44% | 3rd bottom |
| Yield on Earning Assets | 5.33% | 5.72% | -0.39% | 37th below |
| Cost of Funds | 2.37% | 2.02% | +0.35% | 26th below |
| Net Interest Spread | 2.54% | 3.18% | -0.64% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.02% | 1.00% | +3.02% | 2nd bottom |
| NPA / Total Assets | 3.26% | 0.76% | +2.50% | 3rd bottom |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 94th top |
| ACL / Total Loans | 1.53% | 1.31% | +0.22% | 87th top |
| ACL / NPLs (Coverage) | 38.03% | 543.69% | -505.66% | 4th bottom |
| Texas Ratio | 36.90% | 7.37% | +29.53% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.79% | 17.34% | -5.55% | 20th bottom |
| Tier 1 Ratio | 11.79% | 17.37% | -5.58% | 20th bottom |
| Total Capital Ratio | 13.04% | 18.42% | -5.38% | 23rd bottom |
| Leverage Ratio | 9.12% | 11.44% | -2.32% | 15th bottom |
| Equity / Assets | 9.80% | 11.34% | -1.54% | 38th below |
| TCE / Tangible Assets | 8.89% | 10.50% | -1.61% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.27% | 86.96% | -6.69% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.72% | 85.55% | +1.17% | 40th below |
| Uninsured Deposit Ratio | 23.48% | 33.13% | -9.65% | 76th top |
| Wholesale Funding Ratio | 3.50% | 5.71% | -2.21% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.57% | 9.69% | -13.26% | 5th bottom |
| Loan Growth (Y/Y) | -8.91% | 8.07% | -16.98% | 3rd bottom |
| Deposit Growth (Y/Y) | -4.69% | 7.88% | -12.57% | 5th bottom |
See Lincoln Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lincoln Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lincoln Savings Bank profile, how to read a UBPR, or how this data updates.