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Lincoln Savings Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #589943 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.60% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.43% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +9

The five pillars

Liquidity

WatchQoQ -3
58
Sub-score

Liquidity is deteriorating: brokered 11.6%, loans/deposits 90.2%, cash 1.6% of assets.

Cash / Assets
1.60%
Loans / Deposits
90.15%
Brokered %
11.64%

Watch Items

  • watchCash / Assets below 3% — Cash 1.60% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.73%
No watch items at this period.

Capitalization

StableQoQ -5
68
Sub-score

Capital position is stable: Tier 1 RBC 11.36%, CET1 11.36%, leverage 9.09%.

Tier 1 RBC
11.36%
CET1
11.36%
Leverage
9.09%
No watch items at this period.

Asset Quality

StableQoQ -9
78
Sub-score

Asset quality is stable: Adjusted NPL 1.46%, Texas Ratio 10.8%, NCO YTD 1.43%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
1.43%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.43% of loans.

Reserves

StableQoQ +9
63
Sub-score

Reserves are stable: ALLL 1.30% of loans, coverage 90.2%, true coverage 88.1%.

ALLL / Loans
1.30%
Coverage
90.2%
True Loss Coverage
88.1%
No watch items at this period.

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%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
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 is Visbanking's own.

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