# LINCOLN COMMUNITY BANK
MERRILL, WI · FDIC certificate 9042 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $59.9M | |
| Deposits | $53.2M | |
| Loans and leases | $39.1M | |
| Total equity | $6.6M | |
| Loans / deposits | 72.43% (p40 of band) | 78.40% |
| Liquid assets / assets | 29.57% (p51 of band) | |
| Uninsured deposits / deposits | 8.35% (p18 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.08% (p46 of band) | 11.34% |
| Unrealized securities loss / equity | -2.32% (p57 of band) | -3.15% |
| AOCI / equity | -1.00% (p61 of band) | |
| ROA (annualized) | 0.84% (p36 of band) | 1.02% |
| Net interest margin | 4.07% (p66 of band) | 3.82% |
| Efficiency ratio | 73.94% (p63 of band) | |
| Noncurrent loans | 0.80% (p58 of band) | 0.57% |
| Net charge-offs (annualized) | -0.01% (p17 of band) | |
| Reserve coverage of noncurrent | 164.95% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 45.83% (p76 of band) | |
| Auto loans | $1.6M (4.09% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 7 | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 |  | losing money, assets shrinking |
| 2012-09 | 3 |  | noncurrent p90, deposits shrinking |
| 2012-12 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2014-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 3 | noncurrent p90 |  |
| 2014-09 | 2 | charge-offs p90 | uninsured deposits leaving, noncurrent p90 |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling | charge-offs p90 |
| 2015-06 | 1 | reserve under noncurrent | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2016-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | capital falling | uninsured deposits leaving |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 1 | capital falling | uninsured deposits leaving |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |

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

- 2017-08-15 [Lincoln Community Bank marks 120 years - Merrill Foto News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNaWRMeDZ2S3MwS3lEck9QQ2Z1UEdtempJZ2ZxeV9rMFNuQkNnN3M3VXFfVUZQZkdSR0tJaGpSQzlORUdmaVd0UEJQdlNPdGVpVHdnbENJNXg5YXVMTHRqWmhYU2dVczhwanRwc1NobXQ2MXZ4RGNEYThfMkl0OWZoYkptZzh1N3Vi?oc=5) · Merrill Foto News
- 2021-04-12 [Nicolet Bank expands into Michigan with $248 million deal to acquire mBank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOUldrSkJOWk5KcWVXZnBBemhYWFRWS09faXJUTTlTRHd2M2VCVEY3UHZISmFCeTBBbHNZVFZacElVUGYzempTVEI3R0QtYW5pUW9ybl9RR2xYeFRaMFlpR2NJT2xSbm9OekRaRTdMNlBVQXVBb0pGVWpab1UzMzJ1MmFjRmxYOUVySXY0TEhXSEJQTUtDd3B1X3E2dTRGTFRScWIwOGM3RWhjSExwRF84c05Cb0V0Q0lVTUxNUkMxdlFKYzM3UTlqLXlBQ0lxWTBiVnF6c2kwS2YtWmJaUHFmcFVn?oc=5) · Green Bay Press-Gazette
- 2025-07-08 [Jane K. Schulz Obituary Jul 8, 2025 - Taylor-Stine-Waid Funeral & Cremation](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBBV0pINnZWQ213aTNhdEY3R0Job0JaR1EwLU5PWE9uRS1Lc243NDIxZ3k3dlFoaVRvZjNXVjlUSVFqbXE3eVR6LVd2UXctajE0eWI0a3IyTDlIeW1ES0FrMTk3OVY?oc=5) · Taylor-Stine-Waid Funeral &amp; Cremation
- 2024-11-10 [Maria "Mary" Monreal-Cameron Obituary Jan 18, 2021 - maxsass.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5WaEFDQjhZNlpGX2pDM2tQQUpZTk9UX3B4OERpVVFKQnJNQVZsZDRueW9XNUxMVUJCcXN1cjlqZzhrR1BKS19zdXV4MVo5a1pGaVdOVXEzOFotSFhMMjNITVdzQjJzTE1SRUJaMg?oc=5) · maxsass.com
- 2018-01-20 [Former bank building has long history in Merrill - Merrill Foto News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSmNOQlNtTlJuVUhNYkhLem1yTmtGMUxVRndoRXlnVFA5UWlvVkNuNWNzTTlnc3pNYnloNzgtWGpaM20yLVBYeHlVRENWUGxxYndFNmFSYndDck1YX1RTNWhsRGUxanZqd1Jmcy04dlA4UWo2MFlPQXctTXpQWDdaOU5UMjZaQ0dDU2xaOVlMa3FjOENEb3c?oc=5) · Merrill Foto News
- 2018-02-21 [Bruce Giese Obituary Feb 21, 2018 - Taylor-Stine-Waid Funeral & Cremation](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1xSjJVMDFyTW5mZFcwNDhwRjVfQ2RzOS1vc0N3cF9pbFRRc1h6X0hRVFNVVGpMbjFVSVVoS2tneEZtRlpuUW1aUm1LT21kak9yUk1kVFMxWTd1ZVN5N0lwRUFVMm0?oc=5) · Taylor-Stine-Waid Funeral &amp; Cremation
- 2022-04-26 [Nancy A. English Obituary (2022) - Merrill, WI - Taylor-Stine-Waid Funeral & Cremation - Third Street - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSThvUFF0cTU0MHRZQUJvWDRVR2ZHRW5qUGhUNUZwVFMyTDQxcmdjOVNndy1GVnFYakhjZW9RSFRwWDZ3d1hzNnl0SThGcXNSUTIxLTFPd0ZnNUpkeDJqWFdKQTd0anBySHpuTW9GMHNZbXVpakExOXpZcFB6R3Z4T1d3?oc=5) · legacy.com
- 2018-06-05 [Allison H. 'Oopie' English Obituary Jun 5, 2018 - Taylor-Stine-Waid Funeral & Cremation](https://news.google.com/rss/articles/CBMidEFVX3lxTE9lODJKNHBGcGZZY1JVckJlWUJZb0w4Y05yTzRLQVpJOG1zcVVxN0VpUVFXdXBWNUJWZi0zMGxHZElYSGQxZDkzcjhIUnpueGR1VUNnUVRVazNPaVNVN3BmcjB4MDZteGpzV09iUEt3Mkc5emJZ?oc=5) · Taylor-Stine-Waid Funeral &amp; Cremation

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9042 (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/18.json (key "9042", 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