First Bank of Lincoln

First Bank of Lincoln is headquartered in Lincoln and is the 71^st largest bank in the state of Montana. It is also the 7,226^th largest bank in the nation. It was established in 1968 and as of March of 2012, it had grown to 6 employees at 1 location. First Bank of Lincoln has a 4-star health rating.

First Bank of Lincoln Routing Number: 092101182

Data for Q1 2012

Institution Statistics First Bank of Lincoln FDIC Certificate # 19775 BankRate Report View Year Established 1968 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $15.63 million Loans $10.81 million Deposits $13.64 million Equity Capital $1.93 million Loan Loss Allowance $133,000 Unbacked Noncurrent Loans $180,000 Historic Data - March 2011 Assets $15.61 million Equity Capital $1.91 million Loan Loss Allowance $161,000 Unbacked Noncurrent Loans $13,000 Profit Margin - Quarterly Net Interest Margin 4.92% Return on Assets 0.79% Return on Equity 6.28% Interest Income $188,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Bank of Lincoln had $180,000 in non-current loans and owned real-estate with $2.06 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Lincoln a Texas Ratio of 8.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Bank of Lincoln increased slightly from 0.63% as of March 31, 2011 to 8.74% as of March 31, 2012, resulting in a negative change of 1,293.35%. This indicates that the balance sheet and financial strength for First Bank of Lincoln has declined slightly in recent periods. Deposit Growth In the past year, First Bank of Lincoln has increased its total deposits by $6,000, resulting in 0.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Bank of Lincoln has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Bank of Lincoln has $15.63 million in assets with $2.06 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.