This institution is no longer active

Operations ceased on September 6, 2008. CRA examination history below reflects the period it was active.

LINCOLN STATE BANK

MILWAUKEE, WI · Supervised by FDIC

Est. 1919FDIC #13,028RSSD: FDIC-13028

Part ofBANK OF MONTREAL→ View all charters

Outstanding Same

Current rating · Exam: September 2006

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.17%

Is this bank safe?

LINCOLN STATE BANK earned an Outstanding CRA rating (2006), shows financial metrics that merit closer review (ROA -0.17%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

1000 North Water Street, MILWAUKEE, WI

County

Milwaukee County

Established

January 1, 1919

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2006

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2008Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.0B

Net Loans

$967M

Net Income

$-1,154K

ROA

-0.17%

Below avg for Community banks. Peer avg: 0.90%

ROE

-1.21%

Risk-Based Capital

12.01%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA-0.17%Peer avg: 0.90%▼ Below avg

Risk-Based Capital12.01%Peer avg: 12.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2006	Outstanding	Small Bank
Feb 2004	Outstanding	Small Bank
Oct 1998	Outstanding	Small Bank

2 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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