Lincoln Savings Bank

301 Washington Street
Cedar Falls, IA 50613


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14207
Date Established 1902
Assets $1.25 billion
Loans $0.99 billion
Deposits $1.00 billion
Capital $0.14 billion

Lincoln Savings Bank is an FDIC insured institution located in Cedar Falls, IA. It was founded in 1902 and has approximately $1.25 billion in assets. Customers can open an account at one of its 17 branches.

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

Bank Loan Profile?

The top three loan types in Lincoln Savings Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Iowa, Lincoln Savings Bank has a significantly higher percent of Construction and Development Loans, Commercial Real Estate 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.76
Credit Card Loans 0.00
Consumer Auto Loans 0.38
Small Business Loans 5.64
Construction and Development Loans 14.74
Commercial Real Estate 26.56
Commercial and Industrial Loans 15.79
Farm Loans 9.07

Deposit Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
1.42% $2,500 - Learn MoreShow Less
6 Mo CD
1.40% $2,500 - Learn MoreShow Less
12 Mo CD
1.58% $2,500 - Learn MoreShow Less
Special: 21 Mo CD
1.41% $2,500 - Learn MoreShow Less
24 Mo CD
1.43% $2,500 - Learn MoreShow Less
36 Mo CD
1.42% $2,500 - Learn MoreShow Less
48 Mo CD
1.45% $2,500 - Learn MoreShow Less
60 Mo CD
1.46% $2,500 - Learn MoreShow Less

Fixed IRA
1.49% $2,500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $1 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $7,499 Learn MoreShow Less

Loan Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Lincoln Savings Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Note to Lincoln Savings Bank
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Lincoln Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Lincoln Savings Bank Locations

Financial Details

Lincoln Savings Bank Ratio Analysis

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

Texas Ratio
Lincoln Savings Bank U.S. Bank Average
6.08% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Lincoln Savings Bank had $5,964,000 in non-current loans and $3,372,000 in owned real estate. To cover these potential losses it had $140,025,000 in equity and $13,409,000 in loans loss reserves. That gives it a Texas Ratio of 6.08%.

Return on Equity
Lincoln Savings Bank U.S. Bank Average
11.39% 8.80%

Lincoln Savings Bank has a Return on Equity of 11.39% versus the BestCashCow average of 8.80%. 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.

Lincoln Savings Bank U.S. Bank Average
11.19% 12.29%

Lincoln Savings Bank has a Capitalization of 11.19% versus the BestCashCow average of 12.29. 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.

Lincoln Savings Bank Balance Sheet Analysis

As of December 31, 2018, Lincoln Savings Bank had assets of $1,251,526,000, loans of $987,192,000, and deposits of $1,003,982,000. 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

December 31, 2018
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.01 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.99 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.03 billion
     Total Assets $1.11 billion
Total deposits $1.00 billion
      Interest-bearing deposits $0.83 billion
      Deposits held in domestic offices $1.00 billion
      % insured (estimated) 67.08%
Federal funds purchased and repurchase agreements $0.04 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.11 billion
      Shareholders’ Equity $0.14 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.05 billion
Total Interest Expense $0.01 billion
Net interest income $0.04 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About Lincoln Savings Bank

Branches and Savings

Is Lincoln Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14207.

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

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

Why are Lincoln Savings Bank CD rates not competitive?

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

Is Lincoln Savings Bank a commercial bank?


Where are Lincoln Savings Bank locations?

See branch locations nearby.

Is Lincoln Savings Bank open on Saturdays?

Is Lincoln Savings Bank open on Sundays?

What time does Lincoln Savings Bank open?

What time does Lincoln Savings Bank close?

Are Lincoln Savings Bank ATMs Open 24/7?

Do Lincoln Savings Bank ATMs accept cash deposits?

Can Lincoln Savings Bank customers use other ATMs?

Do Lincoln Savings Bank branches have notaries?

Will Lincoln Savings Bank notarize my document?

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

Will the Lincoln Savings Bank branch print checks?

Do Lincoln Savings Bank checks expire?

Does Lincoln Savings Bank require US citizenship to open account?

Can Lincoln Savings Bank close my account?

Does Lincoln Savings Bank Report to credit bureaus?

Does Lincoln Savings Bank Use Equifax?

What is Lincoln Savings Bank's ACH Routing Number?

What is Lincoln Savings Bank's SWIFT code?


Does Lincoln Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Lincoln Savings Bank offer personal loans?

Compare personal loan rates here.

Does Lincoln Savings Bank offer student loans?

Will Lincoln Savings Bank cash a check?

Will Lincoln Savings Bank redeem a savings bond?

Does Lincoln Savings Bank cash savings bonds?

Will Lincoln Savings Bank cash money orders?

Can Lincoln Savings Bank issue a money order?

Does Lincoln Savings Bank do currency exchange?

Background on The Bank

Who owns Lincoln Savings Bank?

How long has Lincoln Savings Bank been around?

Can Lincoln Savings Bank transfer to other banks?

Does Lincoln Savings Bank have quick pay?

Does Lincoln Savings Bank accept rolled coins?

Will Lincoln Savings Bank accept loose change?

Where is Lincoln Savings Bank headquarters?

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