First Bank of Lincoln

Headquarters

503 Main Street
Lincoln, MT 59639
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.71% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Bank of Lincoln is an FDIC insured institution located in Lincoln, MT. It was founded in 1968 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19775
Date Established 1968
Assets $ 17.72 million
Loans $ 12.64 million
Deposits $ 15.31 million
Capital $ 2.38 million
 

For a more detailed analysis of First Bank of Lincoln's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 26, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - January 26, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Bank of Lincoln

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Note to First Bank of Lincoln
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Branches

First Bank of Lincoln branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Bank of Lincoln Locations


Financial Details

First Bank of Lincoln Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank of Lincoln. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Bank of Lincoln U.S. Bank Average
19.79% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, First Bank of Lincoln had $6,000 in non-current loans and $481,000 in owned real estate. To cover these potential losses it had $2,381,000 in equity and $80,000 in loans loss reserves. That gives it a Texas Ratio of 19.79%.

Return on Equity
First Bank of Lincoln U.S. Bank Average
13.15% 9.23%

First Bank of Lincoln has a Return on Equity of 13.15% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Bank of Lincoln U.S. Bank Average
13.44% 12.07%

First Bank of Lincoln has a Capitalization of 13.44% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Bank of Lincoln Balance Sheet Analysis

As of March 31, 2015, First Bank of Lincoln had assets of $24,055,000, loans of $12,643,000, and deposits of $15,311,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 12.64 million
Loan loss allowance $ 0.08 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.48 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 15.31 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 17.72 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Bank of Lincoln’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Montana, First Bank of Lincoln has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.48
Multifamily
Mortgages
2.55
Credit Card Loans 0.00
Consumer Auto Loans 3.29
Small Business Loans 5.35
Construction and Development Loans 0.64
Commercial Real Estate 5.35
Commercial and Industrial Loans 43.40
Farm Loans 3.81

Frequently Asked Questions About First Bank Of Lincoln

Branches and Savings

Is First Bank Of Lincoln FDIC insured?

Yes. It is covered under FDIC Certificate #19775.

Why does First Bank Of Lincoln pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Bank Of Lincoln CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Bank Of Lincoln a commercial bank?

Yes

Where are First Bank Of Lincoln locations?

See branch locations nearby.

Is First Bank Of Lincoln open on Saturdays?

Is First Bank Of Lincoln open on Sundays?

What time does First Bank Of Lincoln open?

What time does First Bank Of Lincoln close?

Are First Bank Of Lincoln ATMs Open 24/7?

Do First Bank Of Lincoln ATMs accept cash deposits?

Can First Bank Of Lincoln customers use other ATMs?

Do First Bank Of Lincoln branches have notaries?

Will First Bank Of Lincoln notarize my document?

What address for First Bank Of Lincoln should I put for incoming ACH transfers?

Will the First Bank Of Lincoln branch print checks?

Do First Bank Of Lincoln checks expire?

Does First Bank Of Lincoln require US citizenship to open account?

Can First Bank Of Lincoln close my account?

Does First Bank Of Lincoln Report to credit bureaus?

Does First Bank Of Lincoln Use Equifax?

What is First Bank Of Lincoln's ACH Routing Number?

What is First Bank Of Lincoln's SWIFT code?

Products

Does First Bank Of Lincoln offer mortgages?

Compare mortgage rates here.

Does First Bank Of Lincoln offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank Of Lincoln offer personal loans?

Compare personal loan rates here.

Does First Bank Of Lincoln offer student loans?

Will First Bank Of Lincoln cash a check?

Will First Bank Of Lincoln redeem a savings bond?

Does First Bank Of Lincoln cash savings bonds?

Will First Bank Of Lincoln cash money orders?

Can First Bank Of Lincoln issue a money order?

Does First Bank Of Lincoln do currency exchange?

Background on The Bank

Who owns First Bank Of Lincoln?

How long has First Bank Of Lincoln been around?

Can First Bank Of Lincoln transfer to other banks?

Does First Bank Of Lincoln have quick pay?

Does First Bank Of Lincoln accept rolled coins?

Will First Bank Of Lincoln accept loose change?

Where is First Bank Of Lincoln headquarters?

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