Advertisement
Lincoln State Bank
Hankinson, ND · FDIC Certificate #8390 · Chartered 08/0
Total assets
$125.13M
Total deposits
$111.94M
Total equity
$9.33M
Net loans
$65.71M
Branches (offices)
3
Net income (YTD)
$671.00K
Rank: #3,492 of 4,213 U.S. banks by assets · #41 of 60 in North Dakota. Assets changed 10.0% and deposits 9.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 14.50% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 7.45% |
| Tier 1 leverage ratio | 10.01% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 58.7% |
| Real estate loans (share of loans) | 50.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.06M | 50.3% | |
| Commercial & industrial | $7.01M | 10.7% | |
| Consumer / individual | $3.50M | 5.3% | |
| Construction & development | $2.86M | 4.4% | |
| Agricultural | $18.18M | 27.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $105.91M | $100.19M | $418.00K | $3.93M |
| Jun 2023 | $106.88M | $98.47M | $631.00K | $4.95M |
| Jun 2024 | $110.58M | $95.40M | $258.00K | $6.05M |
| Jun 2025 | $113.80M | $102.41M | $622.00K | $7.32M |
| Jun 2026 | $125.13M | $111.94M | $671.00K | $9.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $111.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $111.94M.
Similar-sized banks
Citizens Bank Of Rogersville ($125.19M) · Adelphi Bank ($124.49M)
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.
Advertisement