State Bank of Lincoln

508 Broadway
Lincoln, IL 62656

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12396
Date Established 1904
Assets $0.36 billion
Loans $0.14 billion
Deposits $0.32 billion
Capital $0.04 billion

State Bank of Lincoln is an FDIC insured institution located in Lincoln, IL. It was founded in 1904 and has approximately $0.36 billion in assets. Customers can open an account at one of its 6 branches.

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

Deposit Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $10,000 Learn MoreShow Less
Money Market
0.07% $10,001 $25,000 Learn MoreShow Less
Money Market
0.10% $25,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
6 Mo CD
0.35% $1,000 - Learn MoreShow Less
12 Mo CD
0.45% $1,000 - Learn MoreShow Less
18 Mo CD
0.65% $1,000 - Learn MoreShow Less
24 Mo CD
0.75% $1,000 - Learn MoreShow Less
30 Mo CD
0.85% $1,000 - Learn MoreShow Less
36 Mo CD
1.00% $1,000 - Learn MoreShow Less
48 Mo CD
1.25% $1,000 - Learn MoreShow Less
60 Mo CD
1.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.99% $500 $9,999,999 Learn MoreShow Less
Var IRA
2.02% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 - Learn MoreShow Less

Loan Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

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

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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 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

Note to State Bank of Lincoln
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Branches

State 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:
Ashburn,Virginia


State Bank of Lincoln Locations


Financial Details

State Bank of Lincoln Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State 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
State Bank of Lincoln U.S. Bank Average
1.77% 6.94%

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 March 31, 2019, State Bank of Lincoln had $159,000 in non-current loans and $509,000 in owned real estate. To cover these potential losses it had $36,181,000 in equity and $1,635,000 in loans loss reserves. That gives it a Texas Ratio of 1.77%.

Return on Equity
State Bank of Lincoln U.S. Bank Average
9.04% 9.47%

State Bank of Lincoln has a Return on Equity of 9.04% versus the BestCashCow average of 9.47%. 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
State Bank of Lincoln U.S. Bank Average
10.17% 12.49%

State Bank of Lincoln has a Capitalization of 10.17% versus the BestCashCow average of 12.49. 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.

State Bank of Lincoln Balance Sheet Analysis

As of March 31, 2019, State Bank of Lincoln had assets of $355,609,000, loans of $136,304,000, and deposits of $318,178,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.05 billion
Total securities $0.16 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.14 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 $0.32 billion
LIABILITIES
Total deposits $0.32 billion
      Interest-bearing deposits $0.23 billion
      Deposits held in domestic offices $0.32 billion
      % insured (estimated) 76.74%
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 $0.32 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 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 State Bank of Lincoln’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, State Bank of Lincoln 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.91
Multifamily
Mortgages
1.49
Credit Card Loans 0.00
Consumer Auto Loans 0.47
Small Business Loans 0.00
Construction and Development Loans 12.88
Commercial Real Estate 22.95
Commercial and Industrial Loans 17.05
Farm Loans 12.83

Frequently Asked Questions About State Bank Of Lincoln

Branches and Savings

Is State Bank Of Lincoln FDIC insured?

Yes. It is covered under FDIC Certificate #12396.

Why does State 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 State Bank Of Lincoln CD rates not competitive?

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

Is State Bank Of Lincoln a commercial bank?

Yes

Where are State Bank Of Lincoln locations?

See branch locations nearby.

Is State Bank Of Lincoln open on Saturdays?

Is State Bank Of Lincoln open on Sundays?

What time does State Bank Of Lincoln open?

What time does State Bank Of Lincoln close?

Are State Bank Of Lincoln ATMs Open 24/7?

Do State Bank Of Lincoln ATMs accept cash deposits?

Can State Bank Of Lincoln customers use other ATMs?

Do State Bank Of Lincoln branches have notaries?

Will State Bank Of Lincoln notarize my document?

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

Will the State Bank Of Lincoln branch print checks?

Do State Bank Of Lincoln checks expire?

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

Can State Bank Of Lincoln close my account?

Does State Bank Of Lincoln Report to credit bureaus?

Does State Bank Of Lincoln Use Equifax?

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

What is State Bank Of Lincoln's SWIFT code?

Products

Does State Bank Of Lincoln offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does State Bank Of Lincoln offer personal loans?

Compare personal loan rates here.

Does State Bank Of Lincoln offer student loans?

Will State Bank Of Lincoln cash a check?

Will State Bank Of Lincoln redeem a savings bond?

Does State Bank Of Lincoln cash savings bonds?

Will State Bank Of Lincoln cash money orders?

Can State Bank Of Lincoln issue a money order?

Does State Bank Of Lincoln do currency exchange?

Background on The Bank

Who owns State Bank Of Lincoln?

How long has State Bank Of Lincoln been around?

Can State Bank Of Lincoln transfer to other banks?

Does State Bank Of Lincoln have quick pay?

Does State Bank Of Lincoln accept rolled coins?

Will State Bank Of Lincoln accept loose change?

Where is State Bank Of Lincoln headquarters?

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