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LNB Community Bank

Lynnville, IN · Cert 4398 · LNB Community Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

LNB Community Bank

Lynnville, IN · Cert 4398 · LNB Community Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$181.0MAssets
$139.4MLoans
$161.3MDeposits
$17.1MEquity
Loan mix
94%RE $130.0M2%C&I $2.8M4%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $140.5M13%Noninterest $20.8MQ2 2025Q2 2026

NIM

4.84%Q2 ’245.13%Q2 ’255.37%Q2 ’26+15%+7%

Non-interest income vs. expense

3.34%Q2 ’243.36%Q2 ’253.20%Q2 ’26+11%-9%

Market Position · Evansville, IN · 2026 SOD (annual) · 1.2% share · #9 of 15 inst. · $0.2B of $13.6B

Executive Summary

  • Earnings: ROA of 1.29%, up 45 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.23% of loans (+18 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.36%, down 40 bps from a year ago.
  • Funding: loans stand at 86.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+26 bps YoY

Efficiency Ratio (YTD, annualized)

66.58%-852 bps YoY

Tier 1 Leverage Ratio

9.36%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.90%0.96%1.11%1.29%+45 bps
Return on Equity8.99%9.61%10.37%12.40%14.15%+516 bps
Net Interest Margin3.56%3.60%3.58%3.87%3.82%+26 bps
Efficiency Ratio75.09%74.15%72.81%69.23%66.58%-852 bps
Non-Interest Burden2.45%2.43%2.36%2.39%2.21%-23 bps
Growth
Asset Growth (YoY)3.74%6.06%16.63%16.63%0.67%-307 bps
Loan Growth (YoY)10.34%14.78%11.29%9.67%5.89%-445 bps
Deposit Growth (YoY)12.93%12.50%18.42%18.67%0.52%-1,241 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.22%0.24%0.23%+18 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.02%0.01%0 bps
Allowance / Loans1.24%1.18%1.15%1.16%1.16%-8 bps
Allowance Coverage of NPLs25.0x22.9x5.2x4.9x5.0x-20.0x
Capital
Tier 1 Leverage Ratio9.76%9.71%9.62%9.58%9.36%-40 bps
Total Risk-Based Capital17.69%17.55%17.37%16.43%18.23%+54 bps
Equity / Assets8.77%9.78%8.79%9.05%9.47%+69 bps
Liquidity & Funding
Loans / Deposits82.06%95.50%83.16%84.41%86.45%+439 bps
Liquid Assets / Assets14.02%1.48%12.57%12.19%9.60%-442 bps
CRE / Total Capitaln/a132.24%128.58%126.89%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

LNB Community Bank

Lynnville, IN · Cert 4398 · Peer group: banks under $1B in assets (n=581-629) · LNB Community Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$181.0MAssets
$139.4MLoans
$161.3MDeposits
$17.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 78% of banks under $1B in assets (rank 136 of 629).
  • Widest gap: equity / assets trails 69% of banks under $1B in assets (rank 433 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.31%

Rank 200 of 629

Net Interest Margin

3.82%

Rank 218 of 629

Efficiency Ratio

66.58%

Rank 289 of 629

Equity / Assets

9.47%

Rank 433 of 629

Non-interest income vs. expense

$1.8M$6.0MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 54% of banks under $1B in assets
Bank 66.58%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.60%1.01%1.45%Beats 68%200 / 629
Return on Equity13.86%5.38%9.30%13.28%Beats 78%136 / 629
Net Interest Margin3.82%3.03%3.54%4.05%Beats 65%218 / 629
Efficiency Ratio66.58%58.35%67.79%79.08%Beats 54%289 / 629
Asset Quality
Nonperforming Loans / Loans0.23%0.09%0.46%1.20%Beats 63%218 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 54%268 / 581
Capital
Tier 1 Capital Ratio16.98%11.24%13.84%18.77%Beats 69%192 / 629
Total Risk-Based Capital Ratio18.23%11.58%14.43%19.66%Beats 71%183 / 629
Equity / Assets9.47%9.09%10.65%13.80%Beats 31%433 / 629
Liquidity & Funding
Loans / Deposits86.45%67.24%80.90%93.48%62nd pctl228 / 594
Loans / Assets77.05%53.31%67.71%78.15%72nd pctl176 / 629
Brokered Deposits / Depositsn/aNot reported for this institution