Headquartered in Hankinson, North Dakota, Lincoln State Bank is a state-chartered bank with $125.1M in total assets and $111.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1903.
Based on its Q2 2026 filing, Lincoln State Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 16th. Its strongest component is funding & liquidity (98/100; 59% loans-to-deposits, 17% uninsured), and its lowest is capital cushion (50/100; 10.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (69 → 76), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 73 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.72% |
| Q3 2024 | 9.59% |
| Q4 2024 | 9.60% |
| Q1 2025 | 9.67% |
| Q2 2025 | 9.79% |
| Q3 2025 | 9.85% |
| Q4 2025 | 9.68% |
| Q1 2026 | 9.96% |
| Q2 2026 | 10.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.76% |
| Q1 2025 | 1.04% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $125.1M | 10.01% | 0.15% | 1.07% | 58.7% |
| Q1 2026 | 75 | $125.4M | 9.96% | 0.17% | 1.02% | 56.5% |
| Q4 2025 | 73 | $126.1M | 9.68% | 0.27% | 1.03% | 66.5% |
| Q3 2025 | 70 | $124.4M | 9.85% | 0.59% | 1.03% | 65.4% |
| Q2 2025 | 69 | $113.8M | 9.79% | 0.78% | 1.06% | 61.7% |
| Q1 2025 | 65 | $119.6M | 9.67% | 1.04% | 0.93% | 56.4% |
| Q4 2024 | 65 | $118.0M | 9.60% | 0.76% | 0.70% | 61.3% |
| Q3 2024 | 68 | $114.7M | 9.59% | 0.38% | 0.59% | 63.9% |
| Q2 2024 | 69 | $110.6M | 9.72% | 0.21% | 0.47% | 65.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of GolvaBank Golva, ND | 55 out of 100, Moderate | $123.5M | 9.0% | 2.51% | vs |
| Farmers & Merchants Bank of North DakotaBank Tolna, ND | 73 out of 100, Strong | $119.8M | 11.0% | 0.73% | vs |
| McIntosh County BankBank Ashley, ND | 84 out of 100, Strong | $118.7M | 11.0% | 0.00% | vs |
| State Bank of BottineauBank Bottineau, ND | 68 out of 100, Moderate | $117.2M | 8.5% | 0.06% | vs |
| Turtle Mountain State BankBank Belcourt, ND | 71 out of 100, Strong | $114.1M | 12.9% | 1.75% | vs |
| Commercial Bank of MottBank Mott, ND | 87 out of 100, Very strong | $140.0M | 13.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Lincoln State Bank?
Yes. Lincoln State Bank is an FDIC-insured institution (FDIC certificate #8390). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($18.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Lincoln State Bank lists 3 offices in 3 cities. Most locations:
- Hankinson, ND (1)
- Lidgerwood, ND (1)
- Wyndmere, ND (1)
Identity & history
Profile
- Legal name
- Lincoln State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8390
- RSSD ID
- 667551
- Primary regulator
- FDIC
- Holding company
- Lincoln Holding Co
- Established
- August 3, 1903
- Headquarters
- 302 Main Ave S, Hankinson, ND 58041
- Website
- www.lsbhank.com
- Employees
- 14
Quick answers
Lincoln State Bank: common questions
Is Lincoln State Bank FDIC insured?
Yes. Lincoln State Bank is an FDIC-insured institution (FDIC certificate #8390). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lincoln State Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lincoln State Bank ever failed?
There is no failure record for FDIC certificate #8390 in the FDIC failed bank list.
How many branches does Lincoln State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hankinson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| Peoples State Bank, Fairmount, N. D.Bank Fairmount, ND | 70 out of 100, Strong | $38.5M | 8.4% | 0.00% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |