Lincoln Savings Bank
Reinbeck, Iowa · FDIC Cert #14207
Lincoln Savings Bank is an FDIC-insured bank (Certificate #14207) with $1.8B in total assets and $1.5B in total deposits as of the Q2 2024 Call Report. Headquartered in Reinbeck, Iowa, the bank maintains a Tier 1 capital ratio of 11.36% (Well-Capitalized) and a nonperforming loan ratio of 1.45%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lincoln Savings Bank (FDIC cert 14207) is a mid-sized bank with $1.8B in total assets and $1.5B in deposits, based in Reinbeck, Iowa. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.36% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.45% 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: 16.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.74% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Lincoln Savings Bank carries a composite BankHealth grade of C (63/100) 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 Savings Bank
- Total Assets
- $1.8B
- Total Deposits
- $1.5B
- Tier 1 Capital Ratio
- 11.36%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.45%
- Liquidity Ratio
- 16.80%
- Return on Assets
- 0.74%
- Headquarters
- Reinbeck, Iowa
- FDIC Certificate
- #14207
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Lincoln Savings Bank holds a Tier 1 capital ratio of 11.36%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Lincoln Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Lincoln Savings Bank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Savings Bank Compares
Lincoln Savings Bank’s Health Score of 63 is 5 points below the Iowa state average of 68 across 162 FDIC-insured banks. Its 11.36% Tier 1 capital ratio is 2.6 points below the US banking industry average near 14%. The 1.45% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.74% is below the national ROA benchmark of ~1.1%. Among 675 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Lincoln Savings Bank is 7 points below the portfolio average of 70.
Frequently Asked Questions
Lincoln Savings Bank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.36%, 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 Savings Bank's Tier 1 capital ratio of 11.36% and nonperforming loan ratio of 1.45% indicate an average 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 Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14207). 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 Savings Bank holds $1.8B in total assets and $1.5B in total deposits. It is headquartered in Reinbeck, Iowa (FDIC Certificate #14207).
Lincoln Savings Bank has a Tier 1 capital ratio of 11.36%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.45%, and the return on assets is 0.74%.
Yes. Lincoln Savings Bank is FDIC-insured (Certificate #14207). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Lincoln Savings Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.