Bank · FDIC insured
Lincoln Savings Bank
A $1.7B bank headquartered in Reinbeck, IA, with 16 branches in Iowa. Best rates: CDs 4.00% and savings 2.75% APY.
Lincoln Savings Bank Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#23 of 53 in Des Moines, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lincoln Savings Bank
Lincoln Savings Bank is a full-service bank serving individuals and businesses in Central and Northeast Iowa since 1902.
Originally founded as The German Savings Bank in Berlin, Iowa, the institution changed its name in 1917 and moved its headquarters to Reinbeck in 1934.
The bank has announced that it will become Equity Bank.
- Headquarters
- 508 Main St, Reinbeck, IA 50669
- FDIC certificate
- 14207 ↗
Branches
16 branches in Iowa
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Iowa
16 branches
Waterloo area · 4
- Lincoln Savings BankMain office508 Main St, Reinbeck, IA 50669Directions
- Cedar Falls Downtown Branch302 Main St, Cedar Falls, IA 50613Directions
- Hudson Branch141 Eldora Rd, Hudson, IA 50643Directions
- Tower Park Branch242 Tower Park Dr, Waterloo, IA 50701Directions
Des Moines area · 4
- Adel Office312 Nile Kinnick Drive South, Adel, IA 50003Directions
- Ankeny Branch1375 Sw State St, Ankeny, IA 50023Directions
- Clive Office13523 University Ave, Clive, IA 50325Directions
- Ingersoll Office Branch1922 Ingersoll Ave, Des Moines, IA 50309Directions
Allison area · 1
- Allison Branch402 N Main St, Allison, IA 50602Directions
Aplington area · 1
- Aplington Branch932 Parriott St, Aplington, IA 50604Directions
Garwin area · 1
- Garwin Branch230 Main St, Garwin, IA 50632Directions
Greene area · 1
- Greene Branch111 E Traer St, Greene, IA 50636Directions
Grinnell area · 1
- Grinnell Branch1025 Main St, Grinnell, IA 50112Directions
Lincoln area · 1
- Lincoln Branch109 E Main St, Lincoln, IA 50652Directions
Nashua area · 1
- Nashua Branch121 Cedar St, Nashua, IA 50658Directions
Tama area · 1
- Tama Branch214 W 4th St, Tama, IA 52339Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.12% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 4.32% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | -1.02% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalLeverage ratio9.12%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent4.32%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets-1.02%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lincoln Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.