Lincoln Savings Bank (FDIC #14207): Bank Stress & Real-Estate Credit Exposure
Lincoln Savings Bank (FDIC Cert #14207): bank stress 90/100, severe, STABLE over 7 days; parent LINCOLN BCORP.
Lincoln Savings Bank (#14207) lends in 8 counties across 1 state; Lincoln Savings Bank (#14207) reaches 139 ZIP codes: Iowa 8 counties, 139 ZIPs.
Lincoln Savings Bank (#14207) largest markets: Polk County, IA (126 branches, 42 ZIPs) (#14207), Dallas County, IA (25 branches, 25 ZIPs) (#14207), Tama County, IA (57 branches, 19 ZIPs) (#14207), Black Hawk County, IA (54 branches, 18 ZIPs) (#14207), Butler County, IA (54 branches, 18 ZIPs) (#14207), Grundy County, IA (17 branches, 17 ZIPs) (#14207).
Lincoln Savings Bank (#14207) reports $1.71 billion in total assets; Lincoln Savings Bank (#14207) equity $167.8 million (9.8% of Lincoln Savings Bank (#14207) assets); Lincoln Savings Bank (#14207) domestic deposits $1.47 billion; Lincoln Savings Bank (#14207) net income minus $8.9 million; Lincoln Savings Bank (#14207) return on assets -1.02%; Lincoln Savings Bank (#14207) return on equity -11.04%; Lincoln Savings Bank (#14207) net interest income $24.4 million; Lincoln Savings Bank (#14207) call report June 30, 2026.
Lincoln Savings Bank (#14207) noncurrent real-estate loans 0.02% of its book; Lincoln Savings Bank (#14207) multifamily -0.02%; Lincoln Savings Bank (#14207) net charge-offs on real estate 4.93%; Lincoln Savings Bank (#14207) multifamily charge-offs 3.33%; Lincoln Savings Bank (#14207) residential charge-offs 9.27%.
Lincoln Savings Bank (#14207) net interest margin 3.05% against an eight-quarter Lincoln Savings Bank (#14207) average of 2.75% (Lincoln Savings Bank (#14207) compression -0.30 points); Lincoln Savings Bank (#14207) real-estate loans 1.8% of equity; Lincoln Savings Bank (#14207) non-residential real estate 926.6% of equity; Lincoln Savings Bank (#14207) rate-exposure score 40/100, Lincoln Savings Bank (#14207) fixed-rate trap 40/100; Lincoln Savings Bank (#14207) risk type credit driven; Lincoln Savings Bank (#14207) rate regime rates elevated, Lincoln Savings Bank (#14207) snapshot October 19, 2026.
Lincoln Savings Bank (#14207) stress score moved from 91.7 on June 22, 2026 to 90 on October 19, 2026; Lincoln Savings Bank (#14207) ranged 90 to 91.7 over 116 snapshots.
Lincoln Savings Bank (#14207) alerts: 8 counties; top Lincoln Savings Bank (#14207) alert scores: Tama County, IA 56 (elevated); Des Moines County, IA 52 (elevated); Greene County, IA 47 (moderate); Adel County, IA 28 (low); Grinnell County, IA 28 (low).