BlastPoint's Banking Scorecard
Lincoln Savings Bank
Designations: ✓ Community bank
Reinbeck, IA
16 branches across IA
Lincoln Savings Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.7% in tier
- - Deposit Outflow: Bottom 43.9% in tier
- - Return on Assets 3.76% below tier average
- - Delinquency Rate 3.18% above tier average
- - Nonperforming Asset Ratio 2.52% above tier average
- - Net Interest Margin 0.90% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-1.2% YoY
+1.6% QoQ
|
-$1.0B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$1.1B
-14.6% YoY
-0.2% QoQ
|
-$817.9M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$1.5B
-2.0% YoY
+1.5% QoQ
|
-$805.6M |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? | -2.40% | -3.76% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.2% in tier |
| Net Interest Margin ? |
2.91%
+4.6% YoY
+3.3% QoQ
|
-0.90% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio ? |
89.32%
-5.6% YoY
-5.7% QoQ
|
+28.26% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate ? |
4.07%
+226.6% YoY
+28.2% QoQ
|
+3.18% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.9% in tier |
| Loan-to-Deposit Ratio ? |
74.59%
-12.8% YoY
-1.6% QoQ
|
-9.62% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
15.91%
-2.7% YoY
-4.9% QoQ
|
-5.38% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
3.20%
+154.8% YoY
+20.6% QoQ
|
+2.52% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.3% in tier |
| Tier 1 Capital Ratio ? |
12.21%
+10.1% YoY
+1.1% QoQ
|
-2.95% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.16%
+16.3% YoY
-73.5% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
58% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.