Lincoln FSB of Nebraska: how it compares with its peers
Against 55 NE banks with half to twice its assets, Lincoln FSB of Nebraska's strongest measure in Q2 2026 is assets per employee ($4.7M vs. a $8.2M peer median). Its weakest relative measure is return on assets (0.38% vs. 1.51%).
| Measure | Lincoln FSB of Nebraska | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.38% | 1.51% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.38% | 3.96% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.52% | 56.65% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $8.2M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.18% | 84.81% | Context |
What it means for lending operations
Its efficiency ratio of 87.52% is above the 56.65% 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
- Waypoint Bank Cozad, NE · $391M
- Sandhills State Bank North Platte, NE · $383M
- Great Plains State Bank Petersburg, NE · $392M
- Banner Capital Bank Harrisburg, NE · $380M
- First Westroads Bank, Inc. Omaha, NE · $395M
- First Nebraska Bank Valley, NE · $371M
Questions about Lincoln FSB of Nebraska
How big is Lincoln FSB of Nebraska?
Lincoln FSB of Nebraska, established in 1906, is headquartered in Lincoln, NE. It reported $387M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Lincoln FSB of Nebraska's return on assets?
0.38% annualized in Q2 2026, against a 1.51% median for 55 NE banks with half to twice its assets, ahead of 0% of them.
What is Lincoln FSB of Nebraska's efficiency ratio?
87.52% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 56.65%, and lower is better.
Is Lincoln FSB of Nebraska growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits grew 1.1%.
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 NE 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 Nebraska bank ranked.