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Lincoln Savings Bank

IDRSSD: 589943
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2026-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #589943 2026-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.5% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +8
81
Sub-score

Liquidity is strong: brokered 22.1%, loans/deposits 74.6%, cash 12.4% of assets.

Cash / Assets
12.44%
Loans / Deposits
74.59%
Brokered %
22.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

StableQoQ 0
77
Sub-score

Capital position is stable: Tier 1 RBC 12.21%, CET1 12.21%, leverage 8.89%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
8.89%
No watch items at this period.

Asset Quality

StableQoQ -12
63
Sub-score

Asset quality is stable: Adjusted NPL 4.07%, Texas Ratio 26.5%, NCO YTD 0.02%.

Adjusted NPL
4.07%
Govt-guarantees stripped
Texas Ratio
26.5%
NCO YTD
0.02%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.07% (govt-guarantees stripped).

Reserves

RiskQoQ -1
36
Sub-score

Reserves are weak: ALLL 1.54% of loans, coverage 38.5%, true coverage 35.8%.

ALLL / Loans
1.54%
Coverage
38.5%
True Loss Coverage
35.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.8% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 17:19:59 UTC