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Original filing (PDF)20250729101242NAL0001504051001
LINCOLN COUNTY BANCORP, INC
Form 5500
FILING_RECEIVED
LINCOLN COUNTY BANCORP., INC. EMPLOYEE STOCK OWNERSHIP PLAN
Defined-contribution retirement plan
Signals · 3
82% in single holding82% employer stockNo recordkeeper disclosed
Active participants
187
Accounts w/ balance
271
Plan assets (EOY)
$14.4M
Net assets (EOY)
$14.4M
How this plan invests
This plan
5 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
50
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Lincoln County Bancorp., Inc. Company Stock" is 82% of plan.
- 82% of plan in employer / sponsor stock.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LINCOLN COUNTY BANCORP, INC.
Plan sponsor
Name
LINCOLN COUNTY BANCORP, INC
EIN
43-1250707
Address
PO BOX G · TROY, MO · 63379
Phone
(636) 528-7001
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-29
Pension benefit codes
2O · ESOP (non-leveraged)
2Q · S-corporation ESOP
3H · Sponsor in controlled / affiliated group
3I · Requires investment in employer securities
Audit & trust (Schedule H)
Auditor
ANDERS MINKLER HUBER & HELM LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI CONSULTING GROUP | 06-1053228 | TOLEDO, OH | NONE | $20K | — |
| ANDERS MINKLER HUBER & HELM, LLP | 43-0831507 | ST. LOUIS, MO | NONE | $15K | — |
| SOUTHARD FINANCIAL | — | MEMPHIS, TN | NONE | $7K | — |
Investments
5 direct securities· $14.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Lincoln County Bancorp., Inc. Company Stock | — | — | $7.1M | $11.9M | 82.5% | |
| People's Bank & Trust Co. Money market account | — | — | $1.4M | $1.4M | 9.7% | |
| New Frontier Bank Certificates of deposit | — | — | $408K | $408K | 2.8% | |
| People's Bank & Trust Co. Certificates of deposit | — | — | $399K | $399K | 2.8% | |
| New Frontier Bank Money market account | — | — | $319K | $319K | 2.2% |