Lincoln State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 33.30 percentage points higher than in Q1 2026, at 502.02%. Within North Dakota, Lincoln State Bank is 47th of 60 on return on assets, 1.09% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Lincoln State Bank sits 0.16 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.01% |
| Equity capital to assets | 7.45% |
| Tangible equity to tangible assets | 7.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 1.97% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 502.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 15.06% |
| Net interest margin | 3.72% |
| Efficiency ratio | 67.93% |
| Yield on earning assets | 4.92% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.59% |
| Core deposits to total deposits | 91.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.46% |
| Securities to assets | 38.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.61% | 14.61% | 15.80% | 9.91% | 0.76% |
| Q4 2023 | 14.57% | 14.57% | 15.74% | 9.69% | 0.76% |
| Q1 2024 | 14.75% | 14.75% | 15.92% | 10.02% | 0.38% |
| Q2 2024 | 13.90% | 13.90% | 15.08% | 9.72% | 0.52% |
| Q3 2024 | — | — | — | 9.59% | 0.79% |
| Q4 2024 | — | — | — | 9.60% | 0.98% |
| Q1 2025 | — | — | — | 9.67% | 0.91% |
| Q2 2025 | — | — | — | 9.79% | 1.14% |
| Q3 2025 | — | — | — | 9.85% | 0.95% |
| Q4 2025 | — | — | — | 9.68% | 1.02% |
| Q1 2026 | — | — | — | 9.96% | 1.01% |
| Q2 2026 | — | — | — | 10.01% | 1.09% |
Lincoln State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lincoln State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lincoln State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8390) · FFIEC NIC profile (RSSD 667551)