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Lincoln Savings Bank

Reinbeck, IA
IDRSSD: 589943
Total Assets
$1.78B
Latest filing
Total Deposits
$1.54B
Latest filing
Net Interest Margin
2.91%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1902
Community BankYes
Ownership TypeNot Mutual
ZIP50669
State and County Number19075
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameWaterloo-Cedar Falls, IA

Operational Info

Number of Employees225
Domestic Offices16
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance03/26/1934
Primary Insurance AgencyDIF
Websitewww.mylsb.com
Data Updated11/14/2025
CERT14207
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.78B
Total Deposits$1.54B
Total Liabilities$1.62B
Total Equity Capital$153.98M
Net Income$829.00k
Net Loans and Leases$1.22B
Assets Per Employee ($Millions)$8.18M
Bank Premises and Fixed Assets$41.55M
Cash and Balances due from Depository Institutions$99.16M
Deposits Held in Domestic Offices$1.54B

Key Performance Ratios

Return on Assets (ROA)0.19%
Return on Equity (ROE)2.2%
Net Interest Margin2.91%
Efficiency Ratio87.68%
Tier 1 Risk-Based Capital Ratio11.736%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.23%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.672%
Earning Assets to total Assets91.09%

Income and Expense

Total Interest Income$22.64M
Total Noninterest Income$2.66M
Total Interest Expense$10.86M
Total Noninterest Expense$12.66M
Net Interest Income$11.78M
Pre-tax Net Operating Income$779.00k
Provision for Credit Losses$1.00M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$5.86M
Other borrowed funds$70.00M
Federal Funds Sold & Reverse Repurchase Agreement$2.90M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$13.23M
Total Liabilities and Capital$1.78B

Securities

Securities$318.07M
Available-for-sale debt securities$317.81M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Lincoln Savings Bank?
$1.78B as of the latest filing.
How much are Lincoln Savings Bank's total deposits?
$1.54B in total deposits.
Where is Lincoln Savings Bank located?
Reinbeck, IA.
What is the Net Interest Margin?
2.91%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
0.19%.
How much are total loans and leases?
$1.22B (latest filing).
What is the total interest income (latest filing)?
$22.64M.