Lincoln Savings Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Lincoln Savings Bank (FDIC Cert #14207) registers 90/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Lincoln Savings Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Lincoln Savings Bank is held under Lincoln Bcorp, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model Lincoln Savings Bank in isolation: the 139-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 8 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Read against its 8-county reach, a severe score sets the credit tone for every market on its map. No bank is too small to score the same way: Lincoln Savings Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 8-county, 139-ZIP profile means exactly what it would for any institution nationwide. At the county level, Lincoln Savings Bank finances markets like Polk County, IA, Dallas County, IA, Tama County, IA, Black Hawk County, IA — the specific places where its credit posture translates into local lending capacity. DLRadar maps Lincoln Savings Bank into 8 counties (139 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Iowa (8 counties).

For buyers, lender stress is an early map of supply: when Lincoln Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.