Lincoln State Bank
Hankinson, ND · Cert 8390 · Peer group: banks under $1B in assets (n=581-629) · Lincoln Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$125.1MAssets
$66.7MLoans
$111.9MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: equity / assets trails 93% of banks under $1B in assets (rank 583 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.84%
Rank 398 of 629
Net Interest Margin
3.36%
Rank 373 of 629
Efficiency Ratio
71.18%
Rank 369 of 629
Equity / Assets
7.45%
Rank 583 of 629
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 41% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 1.01% | 1.45% | Beats 37% | 398 / 629 | |
| Return on Equity | 11.30% | 5.38% | 9.30% | 13.28% | Beats 62% | 236 / 629 | |
| Net Interest Margin | 3.36% | 3.03% | 3.54% | 4.05% | Beats 41% | 373 / 629 | |
| Efficiency Ratio | 71.18% | 58.35% | 67.79% | 79.08% | Beats 41% | 369 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.46% | 1.20% | Beats 70% | 178 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.01% | 11.24% | 13.84% | 18.77% | Beats 11% | 557 / 629 | |
| Total Risk-Based Capital Ratio | 10.01% | 11.58% | 14.43% | 19.66% | Beats 11% | 562 / 629 | |
| Equity / Assets | 7.45% | 9.09% | 10.65% | 13.80% | Beats 7% | 583 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 59.59% | 67.24% | 80.90% | 93.48% | 17th pctl | 491 / 594 | |
| Loans / Assets | 53.31% | 53.31% | 67.71% | 78.15% | 25th pctl | 473 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |