# LINCOLN STATE BANK
HANKINSON, ND · FDIC certificate 8390 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $125.1M | |
| Deposits | $111.9M | |
| Loans and leases | $66.7M | |
| Total equity | $9.3M | |
| Loans / deposits | 58.70% (p28 of band) | 73.59% |
| Liquid assets / assets | 43.66% (p69 of band) | |
| Uninsured deposits / deposits | 16.62% (p38 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.37% (p61 of band) | |
| FHLB advances / assets | 2.37% | |
| Tier 1 leverage | 10.01% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -38.39% (p10 of band) | -6.57% |
| AOCI / equity | -3.06% (p6 of band) | |
| ROA (annualized) | 1.07% (p44 of band) | 1.17% |
| Net interest margin | 3.61% (p34 of band) | 3.93% |
| Efficiency ratio | 70.49% (p61 of band) | |
| Noncurrent loans | 0.15% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 1004.04% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 30.70% (p64 of band) | |
| Auto loans | $1.9M (2.83% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | leverage <7%, capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | leverage <7%, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | leverage <7% |  |
| 2014-06 | 0 |  | leverage <7% |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 4 | deposits shrinking, assets shrinking |  |
| 2024-06 | 2 |  | deposits shrinking, assets shrinking |
| 2024-09 | 2 | capital falling | uninsured deposits leaving |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | uninsured deposits leaving |  |
| 2026-03 | 1 |  | uninsured deposits leaving |
| 2026-06 | 1 |  |  |

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

- 2025-04-01 [Community banks fill top jobs in March - American Banker](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tVWdQWllVb1ctNU5vcXEyNkVMS2ZMUXl5bW5kZExuNnFhRU1EMXdJUjVDN1JEQ3FCaEcxdnhac2F6MUxreEFsb3NfY2MzTF9NNUNfT1p0ZjJReWN3WXdkemdzU2l0RURMT19CUi1ISmhNdERtR0pia1BDV2NoaW8?oc=5) · American Banker
- 2021-07-22 [Records: Alleged Wyndmere bank robber says she also planned to rob second bank, but got scared - Valley News Live](https://news.google.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?oc=5) · Valley News Live
- 2023-08-11 [Ross E. Hecht - roperandsons.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBoVjBpWEdwSlNTQ3Y3cHRRZW9pdVBxNHRBRWhCWnlkbVlFckJ0S0s0TjE5QzA2anpheFc0b2hFbTd1MG42YzBmclEzcDJHUnFyUHRMVVdoWFdDdW8?oc=5) · roperandsons.com
- 2022-08-03 [Obituary for Paul Spooner - West Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4yeGlxbW9HSThocFZ2dktmOVAwc29IMUY1N3duSUlLUWtkQmRSY1JBUVh3cmNXY3VUUWFySWE1d2lRRENBNUNjdk5MMmt4LXlTcEJhcjJnem1uSEE0MzAyMkZQdw?oc=5) · West Funeral Home
- 2021-07-20 [Wyndmere Bank Robbery Suspect Arrested in Moorhead - News Dakota](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOMlFVdlVZa1J0WkVVbVdEb1RxUmZvcFh1WnpfWnFZRXkwME03X1drV29ibElSajFJNFZpMllWc3hDOHE1SHJFcmhBcVQ1TTBZWm5HbExabnpFelk2RkpZTTV0ZC1hMzkydXFzUFl3V2x3M3FTLThPOS1tWVBZRFBXNGJIaEx6WXJwNUN3?oc=5) · News Dakota
- 2022-05-23 [Mary Schildberger - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5nbWFrUkh2X0d1TURqc3JVRm1iOFZWbklNTktDdHZ5R2p6NV8tRzE1blU0Q0U2MnVDNm82REt5V1VEMGVhOWZzMHlSSzM2UjVXNjFhemlVdDFxYnB2ZTlNZ3lQZ3B3QQ?oc=5) · Boulger Funeral Home
- 2021-07-20 [Wyndmere bank robbery suspect arrested in Moorhead - InForum](https://news.google.com/rss/articles/CBMihgFBVV95cUxORDFwcFVCNDhGVno2TUlNbVhQWFJaNml1dklVRy1CUWtudTA1RE5lMDhWTXlWMUd0eWNiMmUzd3d3M1JVbU1sRk9UcjYzUFNRN28xMnRTcjgwQ1dERjlNN0Q3WEtWYmlkS3dra0E1X3F1cEFYQ0F4Nm0tRFJhYUU3cGhjUTNXZw?oc=5) · InForum
- 2022-08-09 [UPDATE: Wyndmere bank robber sentenced - Valley News Live](https://news.google.com/rss/articles/CBMinAFBVV95cUxOS1ZBWlNyczhzbThWMDhRMi1WbmJQRVpWcndvWDhCNmdXNlZOVWZpRjN2NXR6U2xlc2xmWHRXN25kU0FUcHhhWVFVS2RFTWotOGRVUU9mbkNuejU4YlJWRFFVSWN4MHczUnhhNWh5NlJmXzhiX1AxNFBNS2pPZ3NjU0ZDLXNHSjE1MTFMOGJKQjBTYXh4NHVONXNXbVXSAbABQVVfeXFMUGNpZFp1cTVHN0d0QXpEdVBtaWFKelVKQkdrZmdJd3ltODRQQ3N3YkNIS2ZROVZGemxyM0h2RHpuSkRLR29mcHluNTZLVjV0cFMxUTM3Uzd5T29Yd1AyUVBUTWk0WDU5LVpLb1BBMnhkOEZnbjRCT0pXNDROX1E0Q0NUbThQT3dQcnFwMTlHQ0xVQURQWEZPMERFZ1JoYk0waWd0eW5FTG1La3daM1o0QW0?oc=5) · Valley News Live

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8390 (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/6.json (key "8390", 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