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Lincoln Savings Bank
Reinbeck, IA · FDIC Certificate #14207 · Chartered 01/0
Total assets
$1.71B
Total deposits
$1.47B
Total equity
$167.79M
Net loans
$1.17B
Branches (offices)
16
Net income (YTD)
-$8.93M
Rank: #663 of 4,213 U.S. banks by assets · #16 of 225 in Iowa. Assets changed -3.6% and deposits -4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.02% |
| Return on equity | -11.04% |
| Net interest margin (YTD) | 3.05% |
| Equity to assets | 9.80% |
| Tier 1 leverage ratio | 9.12% |
| Uninsured deposits (share of deposits) | 23.5% |
| Noncurrent loans (share of loans) | 4.32% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 79.0% |
| Real estate loans (share of loans) | 76.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $896.45M | 76.9% | |
| Commercial & industrial | $232.11M | 19.9% | |
| Consumer / individual | $3.35M | 0.3% | |
| Construction & development | $56.47M | 4.8% | |
| Agricultural | $51.54M | 4.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.41B | $3.75M | $149.10M |
| Jun 2023 | $1.88B | $1.58B | $853.00K | $157.37M |
| Jun 2024 | $1.83B | $1.54B | $5.85M | $160.62M |
| Jun 2025 | $1.78B | $1.55B | -$361.00K | $146.91M |
| Jun 2026 | $1.71B | $1.47B | -$8.93M | $167.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $1.47B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.47B.
Similar-sized banks
Chesapeake Bank ($1.72B) · Foresight Bank ($1.71B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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