BlastPoint's Banking Scorecard
The Lincoln National Bank of Hodgenville
Hodgenville, KY
5 branches across KY
The Lincoln National Bank of Hodgenville has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 0.61% above tier average
- + Efficiency Ratio 3.29% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12.5% in tier
- - Liquidity Strain: Bottom 24.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$455.9M
+0.7% YoY
+3.0% QoQ
|
+$69.8M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$351.3M
+4.4% YoY
+1.0% QoQ
|
+$95.6M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$380.8M
-0.1% YoY
+2.8% QoQ
|
+$52.8M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.32%
+3.6% YoY
-8.6% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.54%
+9.9% YoY
+2.4% QoQ
|
+0.61% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
62.00%
+3.2% YoY
+7.1% QoQ
|
-3.29% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.43%
-17.6% YoY
+0.1% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
92.27%
+4.6% YoY
-1.8% QoQ
|
+15.63% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
27.57%
-1.6% YoY
-0.9% QoQ
|
+5.55% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.36%
-7.0% YoY
-2.0% QoQ
|
-0.28% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
23.11%
+6.5% YoY
+0.8% QoQ
|
+7.28% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 8.2% in tier |
| Non-Interest Income / Assets ? |
0.10%
-4.2% YoY
-76.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
53% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.