Lynnville, IN · Cert 4398 · LNB Community Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Evansville, IN · 2026 SOD (annual) · 1.2% share · #9 of 15 inst. · $0.2B of $13.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 1.01% | 0.68% | 1.00% | 1.00% | 1.15% | 1.11% | 1.47% | +47 bps | |
| Return on Equity | 6.46% | 10.66% | 7.13% | 10.81% | 10.83% | 12.43% | 12.40% | 15.90% | +508 bps | |
| Net Interest Margin | 3.09% | 3.45% | 3.62% | 3.63% | 3.81% | 3.81% | 3.87% | 3.96% | +33 bps | |
| Efficiency Ratio | 82.03% | 72.08% | 80.70% | 69.84% | 72.39% | 69.18% | 69.23% | 64.17% | -567 bps | |
| Non-Interest Burden | 2.36% | 2.17% | 2.75% | 2.23% | 2.50% | 2.33% | 2.39% | 2.15% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | -3.79% | 0.32% | 3.74% | 6.06% | 16.63% | 16.63% | 0.67% | -307 bps | |
| Loan Growth (YoY) | 2.43% | 7.45% | 7.95% | 10.34% | 14.78% | 11.29% | 9.67% | 5.89% | -445 bps | |
| Deposit Growth (YoY) | 3.56% | 9.57% | 12.20% | 12.93% | 12.50% | 18.42% | 18.67% | 0.52% | -1,241 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.09% | 0.05% | 0.05% | 0.22% | 0.24% | 0.23% | +18 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.00% | 0.01% | 0.01% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.33% | 1.26% | 1.24% | 1.24% | 1.18% | 1.15% | 1.16% | 1.16% | -8 bps | |
| Allowance Coverage of NPLs | 13.1x | 12.6x | 13.7x | 25.0x | 22.9x | 5.2x | 4.9x | 5.0x | -20.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.61% | 9.94% | 9.76% | 9.71% | 9.62% | 9.58% | 9.36% | -40 bps | |
| Total Risk-Based Capital | 18.42% | 17.60% | 16.22% | 17.69% | 17.55% | 17.37% | 16.43% | 18.23% | +54 bps | |
| Equity / Assets | 9.61% | 9.38% | 9.72% | 8.77% | 9.78% | 8.79% | 9.05% | 9.47% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.60% | 88.48% | 91.33% | 82.06% | 95.50% | 83.16% | 84.41% | 86.45% | +439 bps | |
| Liquid Assets / Assets | 5.58% | 5.22% | 4.71% | 14.02% | 1.48% | 12.57% | 12.19% | 9.60% | -442 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 132.24% | 128.58% | 126.89% | n/a | n/a | |