Lincoln FSB of Nebraska
Lincoln, Nebraska · FDIC Cert #29692
Lincoln FSB of Nebraska is an FDIC-insured bank (Certificate #29692) with $395M in total assets and $296M in total deposits as of the Q2 2024 Call Report. Headquartered in Lincoln, Nebraska, the bank maintains a Tier 1 capital ratio of 18.74% (Well-Capitalized) and a nonperforming loan ratio of 0.99%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lincoln FSB of Nebraska (FDIC cert 29692) is a community bank — $395M in total assets, $296M in deposits, serving the Lincoln, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.74% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.99% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 19.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -0.54% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Lincoln FSB of Nebraska carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Lincoln FSB of Nebraska
- Total Assets
- $395M
- Total Deposits
- $296M
- Tier 1 Capital Ratio
- 18.74%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.99%
- Liquidity Ratio
- 19.25%
- Return on Assets
- -0.54%
- Headquarters
- Lincoln, Nebraska
- FDIC Certificate
- #29692
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Lincoln FSB of Nebraska holds a Tier 1 capital ratio of 18.74%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Lincoln FSB of Nebraska has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Lincoln FSB of Nebraska shows strong financial health indicators. With $395M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Lincoln FSB of Nebraska Compares
Lincoln FSB of Nebraska’s Health Score of 73 is 8 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 18.74% Tier 1 capital ratio is 4.7 points above the US banking industry average near 14%. The 0.99% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.54% is below the national ROA benchmark of ~1.1%. Among 1537 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Lincoln FSB of Nebraska is 3 points above the portfolio average of 70.
Frequently Asked Questions
Lincoln FSB of Nebraska has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 18.74%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Lincoln FSB of Nebraska's Tier 1 capital ratio of 18.74% and nonperforming loan ratio of 0.99% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Lincoln FSB of Nebraska is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29692). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Lincoln FSB of Nebraska holds $395M in total assets and $296M in total deposits. It is headquartered in Lincoln, Nebraska (FDIC Certificate #29692).
Lincoln FSB of Nebraska has a Tier 1 capital ratio of 18.74%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.99%, and the return on assets is -0.54%.
Yes. Lincoln FSB of Nebraska is FDIC-insured (Certificate #29692). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Lincoln FSB of Nebraska's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.