FDIC Cert #14207 · Reinbeck, Iowa · Est. 1902

Lincoln Savings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.8B
Total assets
D
Health grade · Weak
-0.03%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Lincoln Savings Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 12.07% Tier 1, -0.03% ROA, 95% efficiency ratio.

#661
largest of 4,313 FDIC banks by assets
85th
percentile by asset size, nationally
12.07%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 14207 · IA D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4181/4307
  • PHOTO-FINISH Hendricks County Ban… · IN
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-HEALTHY 21.2% Texas
  • ROA-LOSS -0.03% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Hendricks County Bank and Trust Company, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lincoln Savings Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Hendricks County Ban… · IN ·…45/100Laona State Bank · WI · near45/100Lincoln Savings Bank · IA · …45/100Rochelle State Bank · GA · n…45/100Southern Bank · GA · near45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lincoln Savings Bank · July 2026

What Lincoln Savings Bank's Call Report plate shows

Lincoln Savings Bank (FDIC Cert #14207) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,181 of 4,307. Tier 1 capital prints at 12.07%, clearing the 10% well-capitalized line. The Texas Ratio is 21.17%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.03%. Balance-sheet scale is $1.8B, 661st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hendricks County Bank and Trust Company (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lincoln Savings Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Lincoln Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Lincoln Savings Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Lincoln Savings Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Lincoln Savings Bank's composite health score
Tier 1 Capital Ratio (12.07%) 35/40
Return on Assets (ROA) (-0.03%) 0/25
Texas Ratio (21.17%) 10/20
Efficiency Ratio (94.68%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.8B

Total balance-sheet footings

Total Deposits

$1.5B

Customer-funded liabilities

Net Loans

$1.1B

Outstanding loan book

Net Income

$-545K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.67% 12.07% 13.47%
Basel III capital ratios - Lincoln Savings Bank

Where Lincoln Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lincoln Savings Bank's score of 45/100 falls in the highlighted band.

Lincoln Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Lincoln Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lincoln Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lincoln Savings Bank's $1.8B falls in the highlighted band.

Safety ratios for Lincoln Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

12.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.07%
Texas Ratio
21.17%
Equity Capital
$155M

What these ratios mean →

Profitability metrics: Lincoln Savings Bank

Return on Assets (ROA)
5th percentile nationally
-0.03%
Return on Equity (ROE)
-0.36%
Efficiency Ratio
94.68%

What these mean →

Income & expense: loss period at Lincoln Savings Bank

$91M
Interest Income
$11M
Non-Interest Income
$54M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lincoln Savings Bank reports a Texas Ratio of 21.17% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

21.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Lincoln Savings Bank

Lincoln Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-545K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Lincoln Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Lincoln Savings Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.8B here), outside Iowa so the neighborhood is not state containment.

Chain Bridge Bank $1.8B · VA Independent Bank $1.8B · TN Chelsea Groton Bank $1.8B · CT North Easton Savings Bank $1.8B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lincoln Savings Bank (FDIC Cert #14207) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Lincoln Savings Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%