BlastPoint's Banking Scorecard
Lincoln Savings Bank
Community
Specialty: Commercial
IA
FDIC cert 14207
Reinbeck, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Lincoln Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 22% in Community
- - Efficiency Drag: Bottom 69% in Community
- - Return on Assets 1.19% below tier
- - Delinquency Rate 2.55% above tier
- - Nonperforming Asset Ratio 2.15% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-5.2% YoY
-1.3% QoQ
|
+$361.1M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.1B
-17.9% YoY
-5.9% QoQ
|
+$173.4M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.5B
-5.0% YoY
-1.5% QoQ
|
+$350.9M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
-0.03%
-447.6% YoY
-187.8% QoQ
|
-1.19% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.82%
+14.2% YoY
+0.8% QoQ
|
-0.84% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
94.68%
+6.2% YoY
+0.9% QoQ
|
+32.05% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
3.18%
+259.3% YoY
-7.3% QoQ
|
+2.55% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
75.81%
-13.6% YoY
-4.4% QoQ
|
-7.25% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
16.74%
+0.2% YoY
+2.2% QoQ
|
-4.31% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
2.65%
+168.9% YoY
-1.3% QoQ
|
+2.15% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.07%
+13.8% YoY
+2.9% QoQ
|
+1.83% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.61%
-56.0% YoY
+27.4% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Deposit Outflow
decline
#55 of 248 · Bottom 22% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#105 of 152 · Bottom 69% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
94.68%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
-0.03%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.18%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.65%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.81% · Tier avg: 83.06%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.07% · Tier avg: 10.24%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.74% · Tier avg: 21.05%
12
12th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.66%
3
3th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 94.68% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 3.18% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.65% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.65% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.18% · Tier avg: 0.63%
2
2th pctile
Efficiency Ratio
Current: 94.68% · Tier avg: 62.63%
3
3th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.66%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.74% · Tier avg: 21.05%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.07% · Tier avg: 10.24%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.81% · Tier avg: 83.06%
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B