LincolnWay Community Bank

1000 East Lincoln Highway
New Lenox, IL 60451


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57971
Date Established 2005
Assets $0.21 billion
Loans $0.16 billion
Deposits $0.19 billion
Capital $0.03 billion

LincolnWay Community Bank is an FDIC insured institution located in New Lenox, IL. It was founded in 2005 and has approximately $0.21 billion in assets. Customers can open an account at one of its 3 branches.

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

Deposit Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.20% $5,000 - Learn MoreShow Less
6 Mo CD
0.30% $5,000 - Learn MoreShow Less
12 Mo CD
0.60% $5,000 - Learn MoreShow Less
18 Mo CD
0.70% $5,000 - Learn MoreShow Less
24 Mo CD
0.80% $5,000 - Learn MoreShow Less
36 Mo CD
1.10% $5,000 - Learn MoreShow Less
48 Mo CD
1.30% $5,000 - Learn MoreShow Less
60 Mo CD
1.60% $5,000 - Learn MoreShow Less

Fixed IRA
0.60% $1,000 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 $9,999 Learn MoreShow Less

Loan Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for LincolnWay Community Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.408% 3.375% 0.38 $1,020 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to LincolnWay Community Bank
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LincolnWay Community 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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LincolnWay Community Bank Locations

Financial Details

LincolnWay Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of LincolnWay Community 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
LincolnWay Community Bank U.S. Bank Average
12.75% 6.77%

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 June 30, 2019, LincolnWay Community Bank had $3,516,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,454,000 in equity and $2,131,000 in loans loss reserves. That gives it a Texas Ratio of 12.75%.

Return on Equity
LincolnWay Community Bank U.S. Bank Average
9.49% 9.50%

LincolnWay Community Bank has a Return on Equity of 9.49% versus the BestCashCow average of 9.50%. 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.

LincolnWay Community Bank U.S. Bank Average
11.86% 12.76%

LincolnWay Community Bank has a Capitalization of 11.86% versus the BestCashCow average of 12.76. 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.

LincolnWay Community Bank Balance Sheet Analysis

As of June 30, 2019, LincolnWay Community Bank had assets of $214,602,000, loans of $158,497,000, and deposits of $187,821,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.04 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.16 billion
Loan loss allowance $0.00 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 $0.00 billion
All other assets $0.00 billion
     Total Assets $0.19 billion
Total deposits $0.19 billion
      Interest-bearing deposits $0.15 billion
      Deposits held in domestic offices $0.19 billion
      % insured (estimated) 86.07%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in LincolnWay Community Bank’s loan portfolio are Construction and Development Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Illinois, LincolnWay Community Bank has a significantly higher percent of Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.02
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 9.75
Construction and Development Loans 32.12
Commercial Real Estate 19.37
Commercial and Industrial Loans 10.55
Farm Loans 0.00

Frequently Asked Questions About Lincolnway Community Bank

Branches and Savings

Is Lincolnway Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57971.

Why does Lincolnway Community Bank pay such low interest on savings accounts?

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

Why are Lincolnway Community Bank CD rates not competitive?

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

Is Lincolnway Community Bank a commercial bank?


Where are Lincolnway Community Bank locations?

See branch locations nearby.

Is Lincolnway Community Bank open on Saturdays?

Is Lincolnway Community Bank open on Sundays?

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Are Lincolnway Community Bank ATMs Open 24/7?

Do Lincolnway Community Bank ATMs accept cash deposits?

Can Lincolnway Community Bank customers use other ATMs?

Do Lincolnway Community Bank branches have notaries?

Will Lincolnway Community Bank notarize my document?

What address for Lincolnway Community Bank should I put for incoming ACH transfers?

Will the Lincolnway Community Bank branch print checks?

Do Lincolnway Community Bank checks expire?

Does Lincolnway Community Bank require US citizenship to open account?

Can Lincolnway Community Bank close my account?

Does Lincolnway Community Bank Report to credit bureaus?

Does Lincolnway Community Bank Use Equifax?

What is Lincolnway Community Bank's ACH Routing Number?

What is Lincolnway Community Bank's SWIFT code?


Does Lincolnway Community Bank offer mortgages?

Compare mortgage rates here.

Does Lincolnway Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lincolnway Community Bank offer personal loans?

Compare personal loan rates here.

Does Lincolnway Community Bank offer student loans?

Will Lincolnway Community Bank cash a check?

Will Lincolnway Community Bank redeem a savings bond?

Does Lincolnway Community Bank cash savings bonds?

Will Lincolnway Community Bank cash money orders?

Can Lincolnway Community Bank issue a money order?

Does Lincolnway Community Bank do currency exchange?

Background on The Bank

Who owns Lincolnway Community Bank?

How long has Lincolnway Community Bank been around?

Can Lincolnway Community Bank transfer to other banks?

Does Lincolnway Community Bank have quick pay?

Does Lincolnway Community Bank accept rolled coins?

Will Lincolnway Community Bank accept loose change?

Where is Lincolnway Community Bank headquarters?

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