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Lincoln State Bank

Hankinson, ND · Cert 8390 · Lincoln Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$125.1MAssets
$66.7MLoans
$111.9MDeposits
$9.3MEquity
Loan mix
76%RE $33.4M16%C&I $6.9M8%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $83.0M26%Noninterest $29.0MQ2 2025Q2 2026

NIM

4.08%Q2 ’244.40%Q2 ’254.56%Q2 ’26+18%+5%

Non-interest income vs. expense

2.48%Q2 ’242.41%Q2 ’252.57%Q2 ’26-4%+11%

Executive Summary

  • Earnings: ROA of 0.84%, unchanged from a year ago; NIM at 3.36%.
  • Asset quality: problem loans at 0.15% of loans (-63 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 10.01%, up 22 bps from a year ago.
  • Funding: loans stand at 59.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%0 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+17 bps YoY

Efficiency Ratio (YTD, annualized)

70.49%+247 bps YoY

Tier 1 Leverage Ratio

10.01%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.81%0.81%0.80%0.84%0 bps
Return on Equity14.20%13.10%12.75%10.92%11.39%-282 bps
Net Interest Margin3.18%3.17%3.12%3.28%3.36%+17 bps
Efficiency Ratio68.02%68.57%68.79%71.02%70.49%+247 bps
Non-Interest Burden2.09%2.10%2.07%2.27%2.31%+23 bps
Growth
Asset Growth (YoY)2.91%8.49%6.93%4.81%9.95%+704 bps
Loan Growth (YoY)0.90%6.27%6.24%2.62%4.06%+316 bps
Deposit Growth (YoY)7.35%3.85%-1.89%2.54%9.30%+196 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.59%0.27%0.17%0.15%-63 bps
Net Charge-Offs / Loans0.19%0.17%0.12%-0.08%-0.05%-25 bps
Allowance / Loans1.49%1.39%1.36%1.54%1.49%0 bps
Allowance Coverage of NPLs1.9x2.3x5.1x9.2x10.0x+8.1x
Capital
Tier 1 Leverage Ratio9.79%9.85%9.68%9.96%10.01%+22 bps
Total Risk-Based Capital9.79%9.85%9.68%9.96%10.01%+22 bps
Equity / Assets6.43%6.96%7.22%7.44%7.45%+102 bps
Liquidity & Funding
Loans / Deposits62.59%66.37%67.38%57.38%59.59%-300 bps
Liquid Assets / Assets0.92%1.94%1.38%6.33%4.75%+383 bps
CRE / Total Capitaln/a69.89%75.28%71.46%n/an/a