Lincoln National Bank of Hodgenville, The
Hodgenville, KY · Cert 2750 · Peer group: banks under $1B in assets (n=581-629) · Hambac Inc.
National charter · OCC · 5 branches
Q2 2026
$454.4MAssets
$358.7MLoans
$377.8MDeposits
$65.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 83% of banks under $1B in assets (rank 104 of 629).
- Widest gap: net charge-offs / loans trails 57% of banks under $1B in assets (rank 335 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.40%
Rank 170 of 629
Net Interest Margin
4.27%
Rank 104 of 629
Efficiency Ratio
60.17%
Rank 180 of 629
Equity / Assets
14.45%
Rank 148 of 629
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 72% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.60% | 1.01% | 1.45% | Beats 73% | 170 / 629 | |
| Return on Equity | 9.69% | 5.38% | 9.30% | 13.28% | Beats 52% | 302 / 629 | |
| Net Interest Margin | 4.27% | 3.03% | 3.54% | 4.05% | Beats 83% | 104 / 629 | |
| Efficiency Ratio | 60.17% | 58.35% | 67.79% | 79.08% | Beats 72% | 180 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.09% | 0.46% | 1.20% | Beats 52% | 280 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 335 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 23.30% | 11.24% | 13.84% | 18.77% | Beats 82% | 112 / 629 | |
| Total Risk-Based Capital Ratio | 24.56% | 11.58% | 14.43% | 19.66% | Beats 82% | 112 / 629 | |
| Equity / Assets | 14.45% | 9.09% | 10.65% | 13.80% | Beats 76% | 148 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 94.95% | 67.24% | 80.90% | 93.48% | 78th pctl | 130 / 594 | |
| Loans / Assets | 78.95% | 53.31% | 67.71% | 78.15% | 78th pctl | 139 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |