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Lincoln Savings Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q2QoQ -6

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

Quarterly Headline

2025-Q2

Bank #589943 2025-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.6% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.74% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -18

The five pillars

Liquidity

WatchQoQ -5
60
Sub-score

Liquidity is deteriorating: brokered 27.4%, loans/deposits 82.9%, cash 3.6% of assets.

Cash / Assets
3.58%
Loans / Deposits
82.92%
Brokered %
27.37%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.79%
No watch items at this period.

Capitalization

StableQoQ +3
67
Sub-score

Capital position is stable: Tier 1 RBC 11.36%, CET1 11.36%, leverage 8.65%.

Tier 1 RBC
11.36%
CET1
11.36%
Leverage
8.65%
No watch items at this period.

Asset Quality

StableQoQ -12
75
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 19.8%, NCO YTD 0.32%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
19.8%
NCO YTD
0.32%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).

Reserves

RiskQoQ -18
31
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 47.6%, true coverage 39.6%.

ALLL / Loans
1.29%
Coverage
47.6%
True Loss Coverage
39.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.6% (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%. 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