Canton, SD · Cert 11133 · Lincoln Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #30 of 42 inst. · $0.1B of $1127.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.08% | -0.02% | 0.25% | 0.39% | 0.44% | 0.48% | 0.62% | +37 bps | |
| Return on Equity | 1.79% | 0.98% | -0.28% | 3.23% | 5.14% | 5.76% | 6.09% | 7.75% | +452 bps | |
| Net Interest Margin | 2.72% | 2.44% | 2.22% | 2.34% | 2.44% | 2.36% | 2.59% | 2.73% | +39 bps | |
| Efficiency Ratio | 93.82% | 95.23% | 98.47% | 88.77% | 84.48% | 82.14% | 81.65% | 77.59% | -1,118 bps | |
| Non-Interest Burden | 2.53% | 2.31% | 2.18% | 2.04% | 2.02% | 1.89% | 2.06% | 2.06% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.91% | 14.95% | 14.73% | 22.27% | 31.17% | 14.46% | 10.06% | 6.77% | -1,550 bps | |
| Loan Growth (YoY) | 2.46% | 0.01% | 1.02% | 0.33% | 4.03% | 3.16% | 6.40% | 6.95% | +662 bps | |
| Deposit Growth (YoY) | 5.92% | 24.80% | 12.99% | 18.48% | 25.93% | 12.71% | 11.59% | 3.75% | -1,473 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 0.60% | 0.58% | 0.62% | 0.61% | 0.58% | 0.57% | 0.58% | 0.57% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.60% | 9.57% | 9.12% | 8.75% | 8.69% | 8.39% | 8.51% | 8.73% | -2 bps | |
| Total Risk-Based Capital | 16.90% | 16.15% | 16.57% | 16.18% | 15.18% | 15.65% | 15.86% | 15.96% | -22 bps | |
| Equity / Assets | 8.94% | 7.93% | 7.74% | 7.39% | 7.21% | 7.84% | 7.87% | 8.32% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.95% | 68.83% | 63.80% | 61.89% | 61.92% | 62.99% | 60.83% | 63.81% | +191 bps | |
| Liquid Assets / Assets | 6.30% | 5.47% | 5.32% | 5.14% | 4.67% | 4.76% | 4.81% | 4.79% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 67.36% | 61.99% | 62.97% | n/a | n/a | |