Lincoln, NE · Cert 29692 · Lincoln Federal Bcorp M H C
State savings bank · OCC · 13 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 0.8% share · #20 of 33 inst. · $0.1B of $16.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.26% | -0.24% | -0.03% | 0.53% | 0.34% | 0.42% | 0.34% | +37 bps | |
| Return on Equity | 0.20% | -2.63% | -2.36% | -0.34% | 5.19% | 3.30% | 4.01% | 3.26% | +360 bps | |
| Net Interest Margin | 0.88% | 1.34% | 1.51% | 1.77% | 2.02% | 2.13% | 2.22% | 2.23% | +46 bps | |
| Efficiency Ratio | 94.67% | 113.33% | 109.05% | 100.37% | 73.08% | 87.33% | 86.85% | 88.16% | -1,221 bps | |
| Non-Interest Burden | 0.72% | 1.69% | 1.76% | 1.77% | 0.96% | 1.64% | 1.72% | 1.75% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | -4.92% | -4.64% | -5.66% | -4.74% | 7.10% | 4.03% | 4.01% | +967 bps | |
| Loan Growth (YoY) | 0.99% | -4.26% | -6.90% | -8.33% | 2.42% | 11.42% | 7.91% | 3.46% | +1,179 bps | |
| Deposit Growth (YoY) | 11.25% | 14.01% | 20.32% | 9.10% | -1.13% | 0.48% | -1.18% | 1.07% | -803 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 0.30% | 0.29% | 0.26% | 0.24% | 0.47% | 0.54% | 0.46% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.10% | 0.00% | 0 bps | |
| Allowance / Loans | 1.42% | 1.46% | 1.46% | 1.45% | 1.39% | 1.31% | 1.31% | 1.35% | -10 bps | |
| Allowance Coverage of NPLs | 1.4x | 4.9x | 5.0x | 5.6x | 5.7x | 2.8x | 2.4x | 3.0x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.81% | 11.75% | 11.73% | 11.98% | 11.81% | 11.70% | 11.70% | -3 bps | |
| Total Risk-Based Capital | 21.24% | 21.79% | 21.51% | 21.43% | 20.92% | 19.65% | 19.87% | 19.55% | -189 bps | |
| Equity / Assets | 9.86% | 9.95% | 10.04% | 10.08% | 10.54% | 10.28% | 10.45% | 10.42% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.72% | 85.52% | 83.24% | 85.34% | 90.88% | 94.83% | 90.89% | 87.36% | +202 bps | |
| Liquid Assets / Assets | 3.36% | 1.04% | 2.99% | 2.75% | 0.04% | 0.05% | 2.12% | 5.58% | +283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 219% | 252% | 249% | n/a | n/a | |