BlastPoint's Banking Scorecard

Lincoln Savings Bank

$1B-$10B Specialty: Commercial IA FDIC cert 14207

Designations: ✓ Community bank

Reinbeck, IA

16 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits -4.7% year over year ($1.5B on the books).
Delinquency rate 4.39%.
Return on assets -1.02%.
Efficiency ratio 88.31% vs a 59.73% peer average.
Loan-to-deposit ratio 79.04% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

Lincoln Savings Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.3% in tier
- Deposit Outflow: Bottom 16.8% in tier
- Return on Assets 2.41% below tier average
- Delinquency Rate 3.53% above tier average
- Nonperforming Asset Ratio 2.80% above tier average
- Net Interest Margin 0.82% below tier average

Get updates when Lincoln Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$1.7B -3.6% YoY -3.8% QoQ	-$1.1B	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$1.2B -9.1% YoY +1.6% QoQ	-$797.5M	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$1.5B -4.7% YoY -4.0% QoQ	-$844.0M	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	-1.02% +57.4% QoQ	-2.41%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Bottom 0.8% in tier
Net Interest Margin ?	3.05% +10.9% YoY +4.6% QoQ	-0.82%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	88.31% -8.9% YoY -1.1% QoQ	+28.58%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Bottom 2.5% in tier
Delinquency Rate ?	4.39% +60.5% YoY +7.8% QoQ	+3.53%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Bottom 1.5% in tier
Loan-to-Deposit Ratio ?	79.04% -4.7% YoY +5.9% QoQ	-5.99%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	16.14% +0.9% YoY +1.9% QoQ	-5.13%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	3.47% +50.5% YoY +8.5% QoQ	+2.80%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 1.5% in tier
Tier 1 Capital Ratio ?	11.79% +3.8% YoY -3.9% QoQ	-3.05%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.33% +0.9% YoY +105.5% QoQ	-0.19%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Noninterest-Bearing	16.1% +0.1pp YoY +0.3pp QoQ	-5.2pp	21.4%	17.8%	22.2%	31%
Brokered Deposits	5.1% -22.3pp YoY -17.0pp QoQ	-4.4pp	9.5%	6.0%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	19.9% +1.2pp YoY +1.9pp QoQ	+5.9pp	14.0%	12.8%	12.5%	80%
CRE	50.7% +0.3pp YoY +1.1pp QoQ	+0.7pp	50.0%	28.3%	41.4%	54%
1-4 Family	17.4% -1.9pp YoY -2.2pp QoQ	-9.1pp	26.4%	23.0%	31.3%	36%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.4pp	4.7%	2.9%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	11.8% +0.4pp YoY -0.5pp QoQ	-3.8pp	15.6%	15.4%	19.7%	19%
Leverage Ratio	9.1% +0.4pp YoY +0.1pp QoQ	-2.2pp	11.3%	12.4%	12.6%	15%
Total Capital Ratio	13.0% +0.5pp YoY -0.5pp QoQ	-3.7pp	16.7%	16.5%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	218 -7 (-3.1%) YoY -7 (-3.1%) QoQ	-96	313	64	482	46%
Assets per Employee ($)	$7.9M -0.5% YoY -0.7% QoQ	-$2.6M	$10.5M	$8.9M	$8.8M	38%
Branch Count	16 0 YoY 0 QoQ	-4	20	5	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.3pp QoQ	+0.4pp	0.2%	0.4%	0.4%	94%
Nonaccrual	3.8% +1.1pp YoY +0.1pp QoQ	+3.0pp	0.8%	1.0%	1.0%	98%
Allowance Coverage	0.35x -25.6% YoY -8.0% QoQ	-18.36x	18.71x	18.97x	20.23x	3%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	-11.0% -10.6pp YoY +15.6pp QoQ	-23.6pp	12.6%	12.8%	11.6%	0%
Cost of Funds (YTD)	2.3% -0.6pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.8%	1.7%	79%
Net Income ($, YTD)	$-8934000.0 -2374.8% YoY — QoQ	-$28.2M	$19.2M	$4.0M	$40.4M	1%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#6 of 60 • Bottom 8.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.31%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#23 of 131 • Bottom 16.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

879

Return on Assets

profitability

Value: -1.02%

Peer Median: 1.39%

#879 of 885 Bottom 0.8% in $1B-$10B

873

Nonperforming Asset Ratio

credit_quality

Value: 3.47%

Peer Median: 0.67%

#873 of 885 Bottom 1.5% in $1B-$10B

870

Delinquency Rate

credit_quality

Value: 4.39%

Peer Median: 0.87%

#870 of 882 Bottom 1.5% in $1B-$10B

864

Efficiency Ratio

profitability

Value: 88.31%

Peer Median: 59.73%

#864 of 885 Bottom 2.5% in $1B-$10B

742

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.87%

#742 of 885 Bottom 16.3% in $1B-$10B