Side-by-side · Q2 2026 data
Lincoln State Bank vs American Federal Bank
Metric by metric
| Measure | Lincoln State Bank | American Federal Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 66 |
| Capital cushion | 50 (stronger) | 43 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 63 (stronger) | 62 |
| Funding & liquidity | 98 (stronger) | 40 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 64th | 31st |
| Total assets | $125.1M | $795.8M |
| Deposits / shares | $111.9M | $615.6M |
| Capital ratio | 10.01% (stronger) | 9.32% |
| Problem loans | 0.15% | 0.00% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 1.07% (stronger) | 1.06% |
| Loans ÷ deposits | 58.7% (stronger) | 110.2% |
| Uninsured deposits | 16.6% (stronger) | 23.9% |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Lincoln State Bank has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lincoln State Bank leads on 6 and American Federal Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.