| Metric | Lincoln State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.6 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.4 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.5 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.1M | $111.9M | $65.7M | $9.3M | $671K | 1.07% | 3.61% | 0.08% |
| Q1 2026 | $125.4M | $112.2M | $63.4M | $9.3M | $320K | 1.02% | 3.46% | 0.09% |
| Q4 2025 | $126.1M | $106.2M | $70.6M | $9.1M | $1.2M | 1.03% | 3.47% | 0.15% |
| Q3 2025 | $124.4M | $103.4M | $67.7M | $8.7M | $916K | 1.03% | 3.44% | 0.33% |
| Q2 2025 | $113.8M | $102.4M | $63.1M | $7.3M | $622K | 1.06% | 3.46% | 0.44% |
| Q1 2025 | $119.6M | $109.5M | $61.8M | $7.0M | $276K | 0.93% | 3.36% | 0.54% |
| Q4 2024 | $118.0M | $108.2M | $66.4M | $6.3M | $784K | 0.70% | 3.08% | 0.44% |
| Q3 2024 | $114.7M | $99.5M | $63.6M | $7.5M | $491K | 0.59% | 2.98% | 0.22% |
Loan mix (Q2 2026): real estate $33.1M · commercial $7.0M · consumer $3.5M · securities $48.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lincoln State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.9% | 70th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lincoln State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lincoln State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lincoln State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lincoln State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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