Lincoln Savings Bank: how it compares with its peers
Against 23 IA banks with half to twice its assets, Lincoln Savings Bank's strongest measure in Q2 2026 is net interest margin (3.05% vs. a 3.59% peer median). Its weakest relative measure is return on assets (-1.02% vs. 1.35%).
| Measure | Lincoln Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.02% | 1.35% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.05% | 3.59% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.31% | 52.80% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $8.9M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.04% | 90.84% | Context |
What it means for lending operations
Its efficiency ratio of 88.31% is above the 52.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- CBI Bank & Trust Muscatine, IA · $1.70B
- Availa Bank Carroll, IA · $1.73B
- The Security National Bank of Sioux City, Iowa Sioux City, IA · $1.69B
- Community State Bank Ankeny, IA · $1.75B
- First Citizens Bank Mason City, IA · $1.80B
- Farmers State Bank Waterloo, IA · $1.60B
Questions about Lincoln Savings Bank
How big is Lincoln Savings Bank?
Lincoln Savings Bank, established in 1902, is headquartered in Reinbeck, IA. It reported $1.71B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Lincoln Savings Bank's return on assets?
-1.02% annualized in Q2 2026, against a 1.35% median for 23 IA banks with half to twice its assets, ahead of 0% of them.
What is Lincoln Savings Bank's efficiency ratio?
88.31% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 52.80%, and lower is better.
Is Lincoln Savings Bank growing its loans?
Net loans shrank 9.1% over the year to Q2 2026, while deposits shrank 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.