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

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	8-Qtr Trend
Earnings
Return on Assets	1.40%	0.60%	1.01%	1.45%	Beats 73%	170 / 629	n/a
Return on Equity	9.69%	5.38%	9.30%	13.28%	Beats 52%	302 / 629	n/a
Net Interest Margin	4.27%	3.03%	3.54%	4.05%	Beats 83%	104 / 629	n/a
Efficiency Ratio	60.17%	58.35%	67.79%	79.08%	Beats 72%	180 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	0.43%	0.09%	0.46%	1.20%	Beats 52%	280 / 581	n/a
Net Charge-Offs / Loans	0.02%	n/a	0.01%	0.06%	Beats 43%	335 / 581	n/a
Capital
Tier 1 Capital Ratio	23.30%	11.24%	13.84%	18.77%	Beats 82%	112 / 629	n/a
Total Risk-Based Capital Ratio	24.56%	11.58%	14.43%	19.66%	Beats 82%	112 / 629	n/a
Equity / Assets	14.45%	9.09%	10.65%	13.80%	Beats 76%	148 / 629	n/a
Liquidity & Funding
Loans / Deposits	94.95%	67.24%	80.90%	93.48%	78th pctl	130 / 594	n/a
Loans / Assets	78.95%	53.31%	67.71%	78.15%	78th pctl	139 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution