Is Lincoln State Bank Safe?
Lincoln State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (39/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.90% | 92/100 |
| Nonperforming Loan Ratio | 0.21% | 96/100 |
| Liquidity Ratio | 39.47% | 100/100 |
| Return on Assets | 0.47% | 39/100 |
| Total Assets | $0.1B | |
How does Lincoln State Bank compare?
With a Bank Health Score of 90/100, Lincoln State Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within North Dakota, where 55 FDIC-insured banks are headquartered, Lincoln State Bank ranks above the state average of 68/100 (Grade B).
The bank's Tier 1 capital ratio of 13.90% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.21% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Lincoln State Bank's Bank Health Score fell by 4.0 points to 90/100. Tier 1 capital weakened by 0.71 percentage points to 13.90%. Quarter-over-quarter, the score fell by 2.0 points.
Lincoln State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (39/100).