PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lincoln Federal Savings Bank of Nebraska

Lincoln, NE · Cert 29692 · Lincoln Federal Bcorp M H C

State savings bank · OCC · 13 branches

Q2 2026

$387.3MAssets
$285.3MLoans
$326.5MDeposits
$40.3MEquity
Loan mix
100%RE $295.0M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $304.5M7%Noninterest $22.0MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.57%Q2 ’254.82%Q2 ’26+56%+35%

Non-interest income vs. expense

2.60%Q2 ’243.29%Q2 ’253.39%Q2 ’26+12%-2%

Market Position · Lincoln, NE · 2026 SOD (annual) · 0.8% share · #20 of 33 inst. · $0.1B of $16.1B

0.9% Lancaster
3.1% Adams
1.8% Lincoln
0.1% Douglas

Executive Summary

  • Earnings: ROA of 0.38%, up 51 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.46% of loans (+20 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 11.70%, down 3 bps from a year ago.
  • Funding: loans stand at 87.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.22%+58 bps YoY

Efficiency Ratio (YTD, annualized)

87.52%-1,677 bps YoY

Tier 1 Leverage Ratio

11.70%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%0.09%0.15%0.42%0.38%+51 bps
Return on Equity-1.34%0.89%1.52%4.01%3.63%+498 bps
Net Interest Margin1.64%1.78%1.84%2.22%2.22%+58 bps
Efficiency Ratio104.30%92.42%91.02%86.85%87.52%-1,677 bps
Non-Interest Burden1.77%1.51%1.52%1.72%1.73%-4 bps
Growth
Asset Growth (YoY)-5.66%-4.74%7.10%4.03%4.01%+967 bps
Loan Growth (YoY)-8.33%2.42%11.42%7.91%3.46%+1,179 bps
Deposit Growth (YoY)9.10%-1.13%0.48%-1.18%1.07%-803 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.24%0.47%0.54%0.46%+20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.10%-0.05%-5 bps
Allowance / Loans1.45%1.39%1.31%1.31%1.35%-10 bps
Allowance Coverage of NPLs5.6x5.7x2.8x2.4x3.0x-2.7x
Capital
Tier 1 Leverage Ratio11.73%11.98%11.81%11.70%11.70%-3 bps
Total Risk-Based Capital21.43%20.92%19.65%19.87%19.55%-189 bps
Equity / Assets10.08%10.54%10.28%10.45%10.42%+33 bps
Liquidity & Funding
Loans / Deposits85.34%90.88%94.83%90.89%87.36%+202 bps
Liquid Assets / Assets2.75%0.04%0.05%2.12%5.58%+283 bps
CRE / Total Capitaln/a219%252%249%n/an/a