Lincoln State Bank
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Data as of · sourced from FFIEC call reports. How we update
Lincoln State Bank is an FDIC-insured commercial bank headquartered in Hankinson, ND, established in 1903 (FDIC certificate 8390), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $125.1M, up 10.0% from Q2 2025, the 41st largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8390
- Headquarters
- Hankinson, ND
- Established
- 1903
- Total assets, Q2 2026
- $125.1M
- Assets vs Q2 2025
- +10.0%
- Tier 1 leverage ratio, Q2 2026
- 10.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091303855
- Latest call report
- Q2 2026, FFIEC 051 · Lincoln State Bank call report
- Holding company
- LINCOLN HOLDING COMPANY
- Asset rank in state
- 41st of 60 in North Dakota
Lincoln State Bank, based in Hankinson, North Dakota, reported $125 million in assets at June 30, 2026, up 10.0% from a year earlier. It holds commercial real estate loans equal to only 27% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.31% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 0.78%. Its $7.0 million commercial and industrial book is improving, with 0.07% past due or on nonaccrual, down from 1.97% a year earlier.
As of June 30, 2026, Lincoln State Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lincoln State Bank is the 41st largest of the 60 banks headquartered in North Dakota. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $125.1M, loans rose 3.6% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 28.3% of total loans, followed by agricultural production loans at 27.3%. Its 3 offices in the FDIC Summary of Deposits are in Hankinson, ND, Lidgerwood, ND and Wyndmere, ND; its Hankinson office books 52% of its branch deposits. On its Q2 2026 call report, Lincoln State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 302 Main Ave S, Hankinson, ND 58041
- County
- Richland
- Metro Area
- Wahpeton, ND-MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 3, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $111.9M
- Allowance for credit losses
- $994K
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $128.8M
- Average total loans
- $59.8M
- Average interest-bearing deposits
- $83.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8390
- Fed RSSD
- 667551
- Website
- www.lsbhank.com →
- Parent Holding Company
- LINCOLN HOLDING COMPANY (RSSD 1495788)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Lincoln State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Lincoln State Bank's total assets moved between a low of $108.0M (Q1 2024) and a high of $126.1M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$125.1M total assets against $113.8M; $115.8M total liabilities against $106.5M.
$65.7M net loans and leases against $63.1M; $111.9M total deposits against $102.4M.
$48.0M securities against $44.5M; $6.6M cash and balances due against $1.8M.
$1.5M total interest income against $1.4M; $376K total interest expense against $380K.
$1.1M net interest income against $986K.
$73K total noninterest income against $120K; $845K total noninterest expense against $740K.
$0 provision for credit losses against $20K.
$351K net income against $346K.
1.09% return on assets against 1.14%; 3.72% net interest margin against 3.46%.
10.01% tier 1 leverage ratio against 9.79%.
Inside the full Lincoln State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLincoln State Bank rankings
Its closest position to the top of a national ranking is 2,301 of 3,611, for ROA; its furthest is 3,479 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q3 2024) to 1.14% (Q2 2025) and its net interest margin ran from 2.99% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.01% | 1.09% | 0.15% | 0.96% | 3.72% |
| Q1 2026 | 9.96% | 1.01% | 0.17% | 1.04% | 3.52% |
| Q4 2025 | 9.68% | 1.02% | 0.27% | 1.91% | 3.54% |
| Q3 2025 | 9.85% | 0.95% | 0.59% | 4.25% | 3.44% |
| Q2 2025 | 9.79% | 1.14% | 0.78% | 6.08% | 3.46% |
| Q1 2025 | 9.67% | 0.91% | 1.04% | 8.20% | 3.38% |
| Q4 2024 | 9.60% | 0.98% | 0.76% | 7.08% | 3.33% |
| Q3 2024 | 9.59% | 0.79% | 0.38% | 2.98% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 State Bank (main office) | Hankinson , ND | 58041 | $58.3M |
| Lidgerwood Branch | Lidgerwood , ND | 58053 | $31.4M |
| Lincoln State Bank - Wyndmere | Wyndmere , ND | 58081 | $22.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in ND, rank 47 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank
What are Lincoln State Bank's total assets?
As of the Q2 2026 filing, Lincoln State Bank reported total assets of $125.1 million in its FFIEC call report.
Where is Lincoln State Bank headquartered?
It is headquartered in Hankinson, ND, United States.
When was Lincoln State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Lincoln State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8390). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lincoln State Bank?
Lincoln State Bank's primary federal regulator is the FDIC.
How many branches does Lincoln State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lincoln State Bank's Texas Ratio?
Its Texas Ratio is 0.96% 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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