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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #589943 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.25% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +4
62
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 88.2%, cash 2.3% of assets.

Cash / Assets
2.25%
Loans / Deposits
88.17%
Brokered %
10.20%

Watch Items

  • infoCash / Assets below 3% — Cash 2.25% 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
0.75%
No watch items at this period.

Capitalization

StableQoQ -3
65
Sub-score

Capital position is stable: Tier 1 RBC 11.07%, CET1 11.07%, leverage 9.00%.

Tier 1 RBC
11.07%
CET1
11.07%
Leverage
9.00%
No watch items at this period.

Asset Quality

StrongQoQ +13
91
Sub-score

Asset quality is strong: Adjusted NPL 1.46%, Texas Ratio 10.8%, NCO YTD 0.21%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
0.21%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
65
Sub-score

Reserves are stable: ALLL 1.32% of loans, coverage 91.8%, true coverage 90.0%.

ALLL / Loans
1.32%
Coverage
91.8%
True Loss Coverage
90.0%
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