Lincoln Savings Bank Mortgage Rates, Fees & Info

Reinbeck, IA

LEI: 549300XY02VS45I5ZZ90

Tax ID: 42-0380690

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Lincoln Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. Lincoln Savings Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Des Moines, Waterloo, Ames, Sioux City, and Manhattan among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Lincoln Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Lincoln Savings Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.50% 11/17/24
    30 Year Conventional Refi 6.45% 11/17/24
    30 Year Cash-out Refi 6.60% 11/17/24
    30 Year FHA Purchase 7.24% 11/17/24
    30 Year FHA Refi 7.16% 11/17/24
    30 Year VA Purchase 6.14% 11/17/24
    30 Year VA Refi 5.81% 11/17/24
    30 Year USDA Purchase 6.70% 11/17/24
    15 Year Conventional Purchase 5.87% 11/17/24
    15 Year Conventional Refi 5.85% 11/17/24
    15 Year Cash-out Refi 5.85% 11/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Lincoln Savings Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Lincoln Savings Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,796

    Origination Dollar Volume (All Markets)

    $510,930,000

    Employee count

    377 Show all (17) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1,187 $339,765,000 $286,238 $2,985 2.89%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 249 $47,075,000 $189,056 $2,441 3.05%
    Outside of Metro Areas 178 $26,710,000 $150,056 $2,732 3.08%
    AMES, IA (FHA|USDA|VA) 42 $19,070,000 $454,048 $2,789 2.83%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 4 $17,860,000 $4,465,000 $0 4.50%
    MANHATTAN, KS (FHA|USDA|VA) 1 $11,195,000 $11,195,000 $0 3.50%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 8 $9,480,000 $1,185,000 $3,683 3.64%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $8,410,000 $4,205,000 $0 2.38%
    Pella, IA (FHA|USDA|VA) 18 $3,840,000 $213,333 $3,549 2.90%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 11 $2,775,000 $252,273 $2,594 2.57%
    Spirit Lake, IA (FHA|USDA|VA) 5 $2,285,000 $457,000 $3,671 3.05%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $2,235,000 $447,000 $5,338 2.91%
    Mason City, IA (FHA|USDA|VA) 7 $1,905,000 $272,143 $3,556 3.42%
    Marshalltown, IA (FHA|USDA|VA) 11 $1,885,000 $171,364 $3,726 2.86%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,770,000 $295,000 $2,703 2.73%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $1,510,000 $188,750 $2,317 2.89%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 9 $1,475,000 $163,889 $2,552 3.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,395,000 $465,000 $4,434 2.58%
    IOWA CITY, IA (FHA|USDA|VA) 4 $950,000 $237,500 $2,297 2.66%
    Fort Dodge, IA (FHA|USDA|VA) 7 $935,000 $133,571 $2,404 3.45%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $725,000 $241,667 $4,015 2.33%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $555,000 $555,000 $11,325 2.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $5,685 2.88%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $515,000 $515,000 $2,883 2.75%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $510,000 $255,000 $3,162 2.56%
    Oskaloosa, IA (FHA|USDA|VA) 2 $480,000 $240,000 $2,853 3.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $435,000 $435,000 $2,842 2.88%
    Clinton, IA (FHA|USDA|VA) 1 $395,000 $395,000 $2,167 2.88%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $365,000 $365,000 $2,877 2.25%
    Carroll, IA (FHA|USDA|VA) 2 $360,000 $180,000 $2,372 3.00%
    Warrensburg, MO (FHA|USDA|VA) 1 $355,000 $355,000 $3,723 3.13%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $345,000 $345,000 $2,161 2.75%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $325,000 $325,000 $13,589 2.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,163 3.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $315,000 $315,000 $1,729 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,042 2.88%
    Muscatine, IA (FHA|USDA|VA) 1 $235,000 $235,000 $8,062 2.25%
    Brookings, SD (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.50%
    ROCHESTER, MN (FHA|USDA|VA) 1 $175,000 $175,000 $1,788 2.38%
    RAPID CITY, SD (FHA|USDA|VA) 1 $175,000 $175,000 $2,785 2.63%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $165,000 $165,000 $5,791 3.13%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,306 2.50%
    DUBUQUE, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,286 3.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,360 2.38%
    Kirksville, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,767 2.50%
    Ottumwa, IA (FHA|USDA|VA) 1 $65,000 $65,000 $2,437 3.50%
    Lincoln Savings Bank's top markets include Des Moines, Waterloo, Ames, Sioux City, and Manhattan among others.

    Their top states include:
  • Iowa (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Lincoln Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bank
    Similarity Rank: 82
    RESIDENTIAL MORTGAGE NETWORK, INC.
    Similarity Rank: 102
    BankIowa of Cedar Rapids
    Similarity Rank: 120
    Fidelity Bank & Trust
    Similarity Rank: 195
    VisionBank of Iowa
    Similarity Rank: 286
    Fidelity Bank
    Similarity Rank: 392
    GREATER IOWA CREDIT UNION
    Similarity Rank: 414
    Raccoon Valley Bank
    Similarity Rank: 540
    I. H. MISSISSIPPI VALLEY CREDIT UNION
    Similarity Rank: 570
    Community Choice Credit Union
    Similarity Rank: 816

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,506 $450,620,000 $299,216 $2,331 2.98%
    FHA 161 $29,885,000 $185,621 $6,054 2.79%
    VA 84 $23,150,000 $275,595 $5,582 2.61%
    USDA 45 $7,275,000 $161,667 $4,190 2.73%

    For 2021, Lincoln Savings Bank's most frequently originated type of loan was Conventional, with 1,506 originations. Their 2nd most popular type was FHA, with 161 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,095 $296,705,000 $270,963 $3,306 2.90%
    Refi 490 $150,390,000 $306,918 $2,210 2.90%
    Cash Out Refi 195 $41,525,000 $212,949 $2,490 3.07%
    Home Improvement 14 $22,210,000 $1,586,429 $1,216 4.47%
    Other 2 $100,000 $50,000 $659 5.56%

    For 2021, Lincoln Savings Bank's most frequently cited loan purpose was Home Purchase, with 1,095 originations. The 2nd most popular reason was Refi, with 490 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,447 $322,825,000 $223,100 $3,062 2.90%
    15 Year 186 $35,930,000 $193,172 $2,116 2.44%
    5 Year 52 $55,080,000 $1,059,231 $0 4.02%
    10 Year 52 $50,870,000 $978,269 $1,066 3.99%
    20 Year 25 $3,845,000 $153,800 $1,972 3.21%
    Other 24 $39,810,000 $1,658,750 $1,869 3.70%
    1 Year 10 $2,570,000 $257,000 $0 4.32%

    For 2021, Lincoln Savings Bank's most frequently cited loan duration was 30 Year, with 1,447 originations. The 2nd most popular length was 15 Year, with 186 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,203 $267,095,000 $222,024
    $1k-2k 328 $60,000,000 $182,927
    $2k-3k 73 $17,675,000 $242,123
    $3k-4k 20 $5,610,000 $280,500
    $5k+ 13 $7,155,000 $550,385
    $4k-5k 4 $2,000,000 $500,000

    Lincoln Savings Bank's average total fees were $3,062, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,203 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 934 $221,130,000 $236,756
    3-4% 401 $154,005,000 $384,052
    <2.5% 387 $90,905,000 $234,897
    4-5% 65 $44,535,000 $685,154
    5-6% 9 $355,000 $39,444

    During 2021, Lincoln Savings Bank's average interest rate for loans was 2.90%, while their most frequently originated rate bucket for loans was 2.5-3%, with 934 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 732 $199,730,000 $272,855 $3,110 2.85%
    $100k-200k 719 $108,225,000 $150,522 $2,776 2.93%
    $100,000 or less 199 $14,345,000 $72,085 $2,122 3.20%
    $400k-600k 109 $52,115,000 $478,119 $3,277 2.83%
    $1MM+ 25 $127,495,000 $5,099,800 $0 3.66%
    $600k-1MM 12 $9,020,000 $751,667 $9,581 3.55%

    2021 saw Lincoln Savings Bank place emphasis on $200k-400k loans with 732 originations, totaling $199,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 480 $89,800,000 $187,083 $3,157 2.89%
    $100k-150k 362 $94,470,000 $260,967 $2,651 2.86%
    $50k or less 360 $47,430,000 $131,750 $2,930 2.89%
    $75k-100k 275 $62,895,000 $228,709 $2,852 2.87%
    $150k-250k 156 $49,250,000 $315,705 $2,816 2.91%
    $250k+ 53 $21,905,000 $413,302 $3,097 2.75%

    Lincoln Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 480 originations. The second most popular income band? $100k-150k, with 362 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 373 $79,245,000 $212,453 $2,558 2.80%
    30-36% 332 $72,350,000 $217,922 $2,812 2.84%
    <20% 124 $25,120,000 $202,581 $2,303 2.80%
    39% 76 $16,320,000 $214,737 $2,974 2.86%
    43% 75 $14,865,000 $198,200 $3,568 2.92%
    36% 73 $16,775,000 $229,795 $2,533 2.85%
    44% 73 $18,145,000 $248,562 $3,112 2.88%
    41% 70 $14,740,000 $210,571 $2,827 2.84%
    37% 65 $13,825,000 $212,692 $2,828 3.02%
    42% 63 $13,495,000 $214,206 $3,268 2.96%
    46% 60 $14,010,000 $233,500 $3,598 2.96%
    40% 52 $11,230,000 $215,962 $3,024 2.91%
    47% 49 $11,445,000 $233,571 $4,005 2.89%
    38% 47 $8,355,000 $177,766 $2,768 2.98%
    48% 42 $8,910,000 $212,143 $3,438 2.93%
    49% 37 $8,315,000 $224,730 $3,763 2.88%
    45% 33 $8,275,000 $250,758 $2,960 2.92%
    50-60% 24 $5,960,000 $248,333 $5,012 2.92%
    >60% 3 $1,575,000 $525,000 $5,129 4.06%

    Lincoln Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 373 originations. The next most common DTI ratio? 30-36%, with 332 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,545 $334,505,000 $216,508 $2,868 2.88%
    Not applicable 97 $141,805,000 $1,461,907 $0 4.00%
    Not provided 78 $18,620,000 $238,718 $2,999 2.77%
    Black 44 $9,110,000 $207,045 $4,396 2.92%
    Asian 25 $5,115,000 $204,600 $2,750 3.07%
    American Indian 6 $1,670,000 $278,333 $4,436 2.79%
    Korean 1 $105,000 $105,000 $2,063 3.13%

    Approval Rates

    Total approvals of all applications
    97.74%

    Lincoln Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    77.12%

    Lincoln Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,796 $510,930,000 $284,482

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,796 $510,930,000 $284,482

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 48 $11,590,000 $241,458 $1,987 2.86%
    40-60% 174 $45,470,000 $261,322 $2,373 2.79%
    60-80% 564 $209,880,000 $372,128 $2,227 2.98%
    80-100% 956 $228,190,000 $238,692 $3,302 2.90%
    Over 100% 20 $6,000,000 $300,000 $9,701 2.64%
    Under 20% 34 $9,800,000 $288,235 $914 4.38%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lincoln Savings Bank 1025 Main St Grinnell, IA 50112 Full Service B&M $56,782
    Lincoln Savings Bank 111 East Traer Greene, IA 50636 Full Service B&M $59,665
    Lincoln Savings Bank 121 Cedar Street Nashua, IA 50658 Full Service B&M $27,080
    Lincoln Savings Bank 13523 University Avenue Clive, IA 50325 Full Service B&M $208,668
    Lincoln Savings Bank 1375 Sw State Street Ankeny, IA 50023 Full Service B&M $61,042
    Lincoln Savings Bank 141 Eldora Road Hudson, IA 50643 Full Service B&M $45,372
    Lincoln Savings Bank 1922 Ingersoll Avenue Des Moines, IA 50309 Full Service B&M $16,789
    Lincoln Savings Bank 214 West Fourth Street Tama, IA 52339 Full Service B&M $69,864
    Lincoln Savings Bank 225 West Viking Road Cedar Falls, IA 50613 Full Service B&M $17,121
    Lincoln Savings Bank 237 Main Street Garwin, IA 50632 Full Service B&M $17,179
    Lincoln Savings Bank 242 Tower Park Drive Waterloo, IA 50701 Full Service B&M $59,863
    Lincoln Savings Bank 302 Main Street Cedar Falls, IA 50613 Full Service B&M $96,293
    Lincoln Savings Bank 312 Nile Kinnick Drive South Adel, IA 50003 Full Service B&M $98,359
    Lincoln Savings Bank 313-315 Main Street Lincoln, IA 50652 Full Service B&M $13,670
    Lincoln Savings Bank 400-404 Main Street Allison, IA 50602 Full Service B&M $63,034
    Lincoln Savings Bank 508 Main Street Reinbeck, IA 50669 Full Service B&M $284,681
    Lincoln Savings Bank 932 Parrott Aplington, IA 50604 Full Service B&M $38,824

    For 2021, Lincoln Savings Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $58,718
    Net interest income $54,658
    Total noninterest income $29,903
    Gross Fiduciary activities income $1,166
    Service charges on deposit accounts $930
    Trading account gains and fees $0
    Additional Noninterest Income $27,807
    Pre-tax net operating income $21,813
    Securities gains (or losses, -) $216
    Income before extraordinary items $16,989
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $16,989
    Minority interest net income $0
    Net income $16,989
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,818

    Lincoln Savings Bank's gross interest income from loans was $58,718,000.
    Lincoln Savings Bank's net interest income from loans was $54,658,000.
    Lincoln Savings Bank's fee based income from loans was $930,000.
    Lincoln Savings Bank's net income from loans was $16,989,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,060
    Provision for credit losses $660
    Total noninterest expense $62,088
    Salaries and employee benefits $40,217
    Premises and equipment expense $6,322
    Additional noninterest expense $15,549
    Applicable income taxes $5,040
    Net charge-offs $2,254
    Cash dividends $3,072

    Lincoln Savings Bank's interest expense for loans was $4,060,000.
    Lincoln Savings Bank's payroll and benefits expense were $40,217,000.
    Lincoln Savings Bank's property, plant and equipment expenses $6,322,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,279,153
    Deposits held in domestic offices $1,279,153
    Deposits by Individuals, partnerships, and corporations $1,078,983
    Deposits by U.S. Government $14
    Deposits by States and political subdivisions in the U.S. $197,424
    Deposits by Commercial banks and other depository institutions in U.S. $2,732
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $716,230
    Demand deposits $262,509
    Nontransaction accounts $562,923
    Money market deposit accounts (MMDAs) $249,646
    Other savings deposits (excluding MMDAs) $123,189
    Total time deposits $190,090
    Total time and savings deposits $1,016,644
    Noninterest-bearing deposits $262,523
    Interest-bearing deposits $1,016,630
    Retail deposits $1,090,655
    IRAs and Keogh plan accounts $24,007
    Brokered deposits $123,052
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,479,040
    Cash & Balances due from depository institutions $25,471
    Interest-bearing balances $15,373
    Total securities $212,260
    Federal funds sold & reverse repurchase $429
    Net loans and leases $1,125,267
    Loan and leases loss allowance $15,354
    Trading account assets $0
    Bank premises and fixed assets $45,053
    Other real estate owned $3,004
    Goodwill and other intangibles $19,219
    All other assets $48,337

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,479,040
    Total Liabilities $1,307,055
    Total deposits $1,279,153
    Interest-bearing deposits $1,016,630
    Deposits held in domestic offices $1,279,153
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,000
    Subordinated debt $0
    All other liabilities $7,902

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,125,267
    Loan and leases loss allowance $15,354
    Total loans and leases (domestic) $1,140,621
    All real estate loans $910,471
    Real estate loans in domestic offices $910,471
    Construction and development loans $165,567
    Residential 1-4 family construction $43,680
    Other construction, all land development and other land $121,887
    Loans secured by nonfarm nonresidential properties $342,563
    Nonfarm nonresidential secured by owner-occupied properties $119,361
    Commercial real estate & other non-farm, non-residential $223,202
    Multifamily residential real estate $142,373
    1-4 family residential loans $155,019
    Farmland loans $104,949
    Loans held in foreign offices $0
    Farm loans $53,818
    Commercial and industrial loans $166,880
    To non-U.S. addressees $0
    Loans to individuals $8,787
    Credit card loans $0
    Related Plans $3,633
    Consumer Auto Loans $2,332
    Other loans to individuals $2,822
    All other loans & leases $664
    Loans to foreign governments and official institutions $0
    Other loans $139
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,808
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,529
    Non 1-4 family restructured loans & leases $2,430
    Total loans and leases (foreign) $0

    Lincoln Savings Bank had $1,125,267,000 of loans outstanding in 2021. $910,471,000 of loans were in real estate loans. $165,567,000 of loans were in development loans. $142,373,000 of loans were in multifamily mortgage loans. $155,019,000 of loans were in 1-4 family mortgage loans. $53,818,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,332,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 269 $64,836 $241,026
    Nonfarm, nonresidential loans - <$100k 67 $2,919 $43,567
    Nonfarm, nonresidential loans - $100-250k 87 $11,910 $136,897
    Nonfarm, nonresidential loans - $250k-1MM 115 $50,007 $434,843
    Commercial & Industrial, US addressed loans - <$1MM 541 $45,283 $83,702
    Commercial & Industrial, US addressed loans - <$100k 341 $6,697 $19,639
    Commercial & Industrial, US addressed loans - $100-250k 100 $10,008 $100,080
    Commercial & Industrial, US addressed loans - $250k-1MM 100 $28,578 $285,780
    Farmland loans - <$1MM 283 $44,119 $155,898
    Farmland loans - <$100k 75 $3,095 $41,267
    Farmland loans - $100-250k 115 $14,950 $130,000
    Farmland loans - $250k-1MM 93 $26,074 $280,366
    Agriculture operations loans - <$1MM 406 $26,431 $65,101
    Agriculture operations loans - <$100k 247 $6,041 $24,457
    Agriculture operations loans - $100-250k 98 $8,018 $81,816
    Agriculture operations loans - $250k-1MM 61 $12,372 $202,820