Total Assets
$126M
Total balance-sheet footings
FDIC Cert #8390 · Hankinson, North Dakota · Est. 1903
Lincoln State Bank - FDIC Bank Health Profile
A community-scale look at Lincoln State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $126M
- Total assets
- B
- Health grade · Good
- 1.03%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Lincoln State Bank earns a PlainBankData health grade of B (66/100), with 9.68% Tier 1 capital, profitable at 1.03% ROA, 69% efficiency ratio.
- #3,538
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 9.68%
- Tier 1 ratio - below the 10% well-capitalized line
- 45th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Lincoln State Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lincoln State Bank's composite health score
Tier 1 Capital Ratio (9.68%) 18/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (1.90%) 20/20
Efficiency Ratio (68.79%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$106M
Customer-funded liabilities
Net Loans
$71M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lincoln State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lincoln State Bank's score of 66/100 falls in the highlighted band.
Lincoln State 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 State Bank's $126M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.68% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.68%
Texas Ratio
1.90%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
16.16%
Efficiency Ratio
68.79%
What the numbers say about Lincoln State Bank
Lincoln State Bank is an FDIC-insured institution (Certificate #8390) headquartered in Hankinson, North Dakota, established in 1903. It holds $126M in total assets - 3,538th of 4,313 FDIC-insured banks, $106M in customer deposits, and $71M in net loans. Its capital position: a Tier 1 ratio of 9.68%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.90% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 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 State Bank is a community-scale institution -- 41st of 61 FDIC-insured banks headquartered in North Dakota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$389K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lincoln State Bank reports a Texas Ratio of 1.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lincoln State Bank (FDIC Cert #8390) - 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 North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is Lincoln State Bank's health grade?▼
Lincoln State Bank receives a health grade of B (66/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is Lincoln State Bank?▼
Lincoln State Bank holds $126M in total assets and $106M in deposits, ranking 3,538th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hankinson, North Dakota.
Is my money safe at Lincoln State Bank?▼
Yes, deposits at Lincoln State Bank (Certificate #8390) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lincoln State Bank's Tier 1 Capital Ratio?▼
Lincoln State Bank has a Tier 1 Capital Ratio of 9.68%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Lincoln State Bank?▼
Lincoln State Bank has a Texas Ratio of 1.90%. 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 State Bank?▼
Lincoln State Bank has an Efficiency Ratio of 68.79%. 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 State Bank's profile as a depositor or analyst.
- Lincoln State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lincoln State Bank against other North Dakota banks before moving funds. North Dakota 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.