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
Unfavorable gap of $4.1M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.60% | 1.01% | 1.45% | Beats 68% | 200 / 629 | | |
| Return on Equity | 13.86% | 5.38% | 9.30% | 13.28% | Beats 78% | 136 / 629 | | |
| Net Interest Margin | 3.82% | 3.03% | 3.54% | 4.05% | Beats 65% | 218 / 629 | | |
| Efficiency Ratio | 66.58% | 58.35% | 67.79% | 79.08% | Beats 54% | 289 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.46% | 1.20% | Beats 63% | 218 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 54% | 268 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.98% | 11.24% | 13.84% | 18.77% | Beats 69% | 192 / 629 | | |
| Total Risk-Based Capital Ratio | 18.23% | 11.58% | 14.43% | 19.66% | Beats 71% | 183 / 629 | | |
| Equity / Assets | 9.47% | 9.09% | 10.65% | 13.80% | Beats 31% | 433 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.45% | 67.24% | 80.90% | 93.48% | 62nd pctl | 228 / 594 | | |
| Loans / Assets | 77.05% | 53.31% | 67.71% | 78.15% | 72nd pctl | 176 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |