Total Assets
$1.8B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.5B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$-545K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.03%
Return on Equity (ROE)
-0.36%
Efficiency Ratio
94.68%
What the numbers say about Lincoln Savings Bank
Lincoln Savings Bank is an FDIC-insured institution (Certificate #14207) headquartered in Reinbeck, Iowa, established in 1902. It holds $1.8B in total assets - 661st of 4,313 FDIC-insured banks, $1.5B in customer deposits, and $1.1B in net loans. Its capital position: a Tier 1 ratio of 12.07%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 21.17% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (45 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Lincoln Savings Bank sits 15th of 230 banks headquartered in Iowa by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Iowa by total assets
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.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Lincoln Savings Bank's health grade?▼
Lincoln Savings Bank receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Lincoln Savings Bank?▼
Lincoln Savings Bank holds $1.8B in total assets and $1.5B in deposits, ranking 661st of 4,313 FDIC-insured banks by asset size. It is headquartered in Reinbeck, Iowa.
Is my money safe at Lincoln Savings Bank?▼
Yes, deposits at Lincoln Savings Bank (Certificate #14207) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lincoln Savings Bank's Tier 1 Capital Ratio?▼
Lincoln Savings Bank has a Tier 1 Capital Ratio of 12.07%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Lincoln Savings Bank?▼
Lincoln Savings Bank has a Texas Ratio of 21.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lincoln Savings Bank?▼
Lincoln Savings Bank has an Efficiency Ratio of 94.68%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lincoln Savings Bank's profile as a depositor or analyst.
- Lincoln Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lincoln Savings Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.