Lincoln Savings Bank
Reinbeck, Iowa, Grundy County
$1.7B in total assets, the 680th largest of 4,309 US banks and 16th of 227 headquartered in Iowa.
- FDIC certificate
- 14207
- Established
- 1902
- Owned by
- Lincoln Bcorp
- Primary regulator
- FDIC
- Website
- www.mylsb.com
At a glance
Compared with 26 banks headquartered in Iowa with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 42% | $1.8B | |
| Loans | $1.2B | 31% | $1.3B | |
| Deposits | $1.5B | 50% | $1.5B | |
| Return on assets | -0.52% | 2% | 1.29% | |
| Net interest margin | 3.05% | 35% | 3.51% | |
| Efficiency ratio | 88.3% | 98% | 51.5% | |
| Equity to assets | 9.80% | 35% | 10.33% | |
| Loans to deposits | 80% | 19% | 91% |
Growth
Total assets grew 3.7% a year over the last 5 years and 6.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 1999 | First Nashua State Bank Nashua, IA | $47M |
| Jul 1996 | First State Bank Greene, IA | $37M |
| Oct 1995 | Farmers Savings Bank Garwin, IA | $14M |
| Oct 1991 | State Savings Bank Aplington, IA | $18M |
| Feb 1987 | State Bank of Allison Allison, IA | $17M |
Where they operate
16 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Grundy County, IA | $410M | 43.3% | 1 of 7 |
| Polk County, IA | $304M | 0.9% | 13 of 39 |
| Black Hawk County, IA | $266M | 9.9% | 3 of 13 |
| Butler County, IA | $180M | 28.2% | 2 of 5 |
| Dallas County, IA | $109M | 4.2% | 10 of 28 |
| Tama County, IA | $93M | 22.4% | 2 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (17 to 16, −5.9%). 2 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2016 | Closed Waverly | 0 | 1 | −1 | 16 |
| 2020 | Opened Cedar Falls and Des MoinesClosed Reinbeck | 2 | 1 | +1 | 17 |
| 2024 | Closed Cedar Falls | 0 | 1 | −1 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 30% | 22% | |
| Business (C&I) | 20% | 13% | |
| 1-4 family residential | 17% | 21% | |
| Multifamily | 15% | 10% | |
| Farmland | 9% | 13% | |
| Construction and land | 5% | 8% | |
| Agricultural | 4% | 9% | |
| Consumer | 0% | 1% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 58% | |
| Time deposits | 30% | 27% | |
| Noninterest-bearing | 16% | 15% |
Brokered deposits are 5.1% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 4.04% | 0.28% |
| Net charge-offs, annualized | -0.00% | 0.01% |
| Reserves to loans | 1.53% | 1.19% |
| Leverage ratio | 9.12% | 10.28% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Iowa
Largest competitors in Grundy County, IA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/lincoln-savings-bank-reinbeck-ia