LINCOLN BANCORP /IA/ Filed Resale

What the company does

Lincoln Bancorp is a bank holding company incorporated under the laws of the State of Iowa in 1983. The Company conducts a majority of its business through its wholly owned subsidiary, Lincoln Savings Bank (the "Bank"), an Iowa state-chartered bank. The Company completed balance sheet repositioning strategies to improve and de-risk the aggregate risk/return profile of the investment portfolio, increase on-hand liquidity, provide consistently accretive core earnings, and improve regulatory capital ratios through the injection of $9.0 million into the Bank.

Use of proceeds

This prospectus relates to the sale of our common stock by the Selling Shareholders. We will not receive any proceeds from any such sales of our common stock. We will pay for expenses of this offering, except that the Selling Shareholders will pay any broker discounts or commissions or equivalent expenses and expenses of its legal counsel applicable to the sale of their shares.

Underwriters

The completed effective-prospectus read stated no underwriters.

Extracted from S-1 0001628280-26-045588, filed Jun 25, 2026 and verified against that filing text.

Key risk factors

• General business and economic conditions risk

  “A decline in general business and economic conditions and any regulatory responses to such conditions could have a material adverse effect on our business, financial position, results of operations and growth prospects.”

• Strong competition in financial services

  “We face strong competition from financial services companies and other companies that offer commercial and retail banking services, which could harm our business.”

• Interest rate fluctuations

  “Fluctuations in interest rates may impact net interest income and may otherwise negatively impact our financial condition and results of operations.”

• Banking industry developments

  “Negative developments in the banking industry could adversely affect our current and projected business operations and our financial condition and results of operations.”

• Credit risk on real estate loans

  “Because a significant portion of our loan portfolio is comprised of commercial and residential real estate loans, negative changes in the economy affecting real estate values and liquidity could impair the value of collateral securing our real estate loans and result in loan and other losses.”

• Liquidity risks

  “Liquidity risks could affect operations and jeopardize our business, financial condition and results of operations.”

• Reliance on key management

  “We are highly dependent on our management team, and the loss of our senior executive officers or other key employees could harm our ability to implement our strategic plan, impair our relationships with customers and adversely affect our business, results of operations and growth prospects.”

• Cybersecurity and network security risk

  “System failures or disruptions of our network security, or the security of our data processing subsidiary, including as a result of cyberattacks or data security incidents, could subject us to increased operating costs as well as litigation and other liabilities.”