# STATE BANK OF LINCOLN
LINCOLN, IL · FDIC certificate 12396 · asset band $300M-1B · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $349.4M | |
| Deposits | $310.0M | |
| Loans and leases | $161.6M | |
| Total equity | $36.7M | |
| Loans / deposits | 51.16% (p7 of band) | 81.65% |
| Liquid assets / assets | 52.85% (p93 of band) | |
| Uninsured deposits / deposits | 30.35% (p71 of band) | 23.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p9 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.82% (p47 of band) | 9.93% |
| Unrealized securities loss / equity | 11.71% (p95 of band) | 2.75% |
| AOCI / equity | 3.33% (p76 of band) | |
| ROA (annualized) | 0.82% (p32 of band) | 1.06% |
| Net interest margin | 3.24% (p31 of band) | 3.52% |
| Efficiency ratio | 66.79% (p60 of band) | |
| Noncurrent loans | 2.12% (p92 of band) | 0.50% |
| Net charge-offs (annualized) | 0.04% (p68 of band) | |
| Reserve coverage of noncurrent | 85.71% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 43.42% (p59 of band) | |
| Auto loans | $502,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | charge-offs p90 | capital falling |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking |  |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | reserve under noncurrent, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2020-06 | 0 |  | deposits shrinking, assets shrinking |
| 2020-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-10-26 [State Bank of Lincoln merges with Heartland Bank - Lincoln Courier](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdENiaTRKN0M2My1leUxwMTJuaTZqc05yTXJwc0d6enY2ZjVCMER1dkJ4NHRISnF0S095am1FQVVrNE9TY2I0Q2pkM3Z2blA1aGRkdUlRRkpSdHNuR1ZtNW5RLXl0a0RGUXB6Z1AwbHNNZmlSM2hrdXZoTnN6eU1xSi1lYkVGbnE1YzNENTc3dzRxVG1WY0Nrd3FYTHNTb19xSzNkQTYzY0V0V2g5U2ZOcA?oc=5) · Lincoln Courier
- 2026-08-10 [Lincoln Daily News Lincoln Illinois - Oma Erto](https://news.google.com/rss/articles/CBMicEFVX3lxTE5sSVdtbWZETVRESEg1QjZwYnNwUzJkbVl6ZVhtLWNwa3JydmV1dzBQekRkdWprekZyaVFJVFd1Q0U1VGJMRTdTRUFxdnEydXhGZ1doV2dfUjNMMFk3dWRMdHBTWmVyWVdNZGlDaUVjWHA?oc=5) · Oma Erto
- 2017-04-17 [Alleged Lincoln bank robber caught after crashing vehicle in Springfield - The State Journal-Register](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNzhURmdkdlY5d0JXYWdPZGNsSm5CNEdUZlduYTlyX2ZOcnVsMXBOQnB1V3RmUjVsYVJJYkprSkJVQ19xblkwOFVrMi15ekhFSThSVmVfMFN4NEVKNW8xZUpDM2VwWERFYmVySXBtaC1xVE93VTB2UXltNmxGbkxuc3I5eEJQcFJUdGZBOUFkVHhld19XVEFYbF9xeEg?oc=5) · The State Journal-Register
- 2022-04-27 [Moran named Retail Manager for State Bank of Lincoln - Lincoln Courier](https://news.google.com/rss/articles/CBMitAFBVV95cUxQMURQTGVZX3p6NnlNTERkcXpjZW5DLWNjLWVqV3ptY3lUX1JqTGhJUmdXeUNESExxbmIzdkZKYWROLW1YcW4tTWdraHdwVEk0Qjl4bHdiTks0MFduZ0k5TTBGLVpxaTVEQ1NpelVNSlZSSVNrLU5KcVh5U19PTTdRMTJzbk0xTzc5OW04TllURFJYYTYtdzJ3cENZbmxwdlR4WGdLV1dUdkVfMGc4aHFSY2lOUjM?oc=5) · Lincoln Courier
- 2021-10-08 [Shirley PIPER Obituary (1938 - 2015) - Lincoln, IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUXBMcHBzOGV6ZnU2RU94UTFqT1o2N0ZINFQ5TmpGYVVNSzNpV2tJOWk3TklxX0pKa2huNDRGeWJDSDZLNW1ySHhSdjE4eFNHVTJYTXV3YzhDU1pMN0pEbklRY0pCdmJPcnZsOGRPWk9NMnNnVndEdy00b0k5WEttOFBjRXFvVXRiSVhxQVNCcmt3c3c5dUE?oc=5) · legacy.com
- 2014-08-08 [Banks grapple with state gun law - The State Journal-Register](https://news.google.com/rss/articles/CBMijAFBVV95cUxQWWRyLW0xV3Y0d3A5MkNzVTVIRnlHeUtQNUdobjRjNTFhYTAyeFJ3bzlpeGYteko0SkZpYUJpLXQ2V1M4b0tvNHFtRFoxb2Z4SkpRVjBzM0N2MmZwVXQwV2NvVWVoLWJhZFhrTWVXTUtvenZ4emtfUElhZ0h6RDUtV01pMVdzTHlUc2JaNQ?oc=5) · The State Journal-Register
- 2014-02-22 [Steven Kraft Obituary (2014) - Lincoln, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQTTUtdzliUThtNXdEbVh5ZElGMzRtcUduZFluNXNqZlplRmEwWnFlcmJxVThjMm50SFlBUkM1bHF1U2NKM0lnUGlCMmFKeWZ5WXpuRk9od2RTX2dtU3ZNNnl1SnRsNjZTQklyM2tWOXhIM3BkWWc1ZjBNQ0xnZmlVQzNpaWRvNVlLdlE?oc=5) · legacy.com
- 2011-08-03 [Debt woes mount for JSP Investments - The State Journal-Register](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdzFNcTN3aVAwanktdjk1LTZEWTF6aXJjVUJpVDdVOVpVMHhhSmw3Vml1MXVnVXp6a2tfaFN4VXQ3emF1Q0ZURFlPRDU4X2ZoM2FSaVVkcm5YUFQ1Rkw3SlZzQUhWdVdCUVlBa2pPaDBvZ2lFZC1SXzJuNzcyRlRfRWs0NkUwUQ?oc=5) · The State Journal-Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12396 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "12396", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide