BlastPoint's Banking Scorecard

The Lincoln National Bank of Hodgenville

$100M-$1B Specialty: Consumer KY FDIC cert 2750

Hodgenville, KY

5 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
Deposits +1.7% year over year ($377.8M on the books).
Delinquency rate 0.43%.
Return on assets 1.41%.
Efficiency ratio 60.17% vs a 64.48% peer average.
Loan-to-deposit ratio 93.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

The Lincoln National Bank of Hodgenville has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.09% above tier average
+ Net Interest Margin 0.62% above tier average
+ Efficiency Ratio 4.31% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 12.7% in tier
- Liquidity Strain: Bottom 26.5% in tier

Get updates when The Lincoln National Bank of Hodgenville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$454.4M +2.6% YoY -0.3% QoQ	+$67.8M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$354.3M +4.3% YoY +0.9% QoQ	+$96.0M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$377.8M +1.7% YoY -0.8% QoQ	+$51.1M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	1.41% +5.6% YoY +6.7% QoQ	+0.09%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	4.61% +8.0% YoY +1.6% QoQ	+0.62%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	60.17% +1.1% YoY -3.0% QoQ	-4.31%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	0.43% -12.4% YoY +0.7% QoQ	-0.49%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	93.78% +2.6% YoY +1.6% QoQ	+15.83%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	27.87% +3.7% YoY +1.1% QoQ	+5.84%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.37% -10.2% YoY +1.7% QoQ	-0.30%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	23.30% +5.3% YoY +0.9% QoQ	+7.39%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	Top 8.5% in tier
Non-Interest Income / Assets ?	0.21% -5.0% YoY +103.5% QoQ	-0.36%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Noninterest-Bearing	27.9% +1.0pp YoY +0.3pp QoQ	+5.7pp	22.1%	23.5%	22.2%	76%
Brokered Deposits	0.2% 0.0pp QoQ	-7.7pp	7.9%	5.4%	8.5%	7%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	4.7% +0.3pp YoY +0.1pp QoQ	-6.9pp	11.6%	8.6%	12.5%	18%
CRE	15.7% -0.1pp YoY +0.3pp QoQ	-23.9pp	39.5%	37.1%	41.4%	11%
1-4 Family	63.2% -0.1pp YoY -0.3pp QoQ	+30.5pp	32.6%	41.6%	31.3%	92%
Consumer	4.3% -0.5pp YoY -0.1pp QoQ	+0.2pp	4.1%	4.8%	5.0%	72%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	23.3% +1.2pp YoY +0.2pp QoQ	+4.5pp	18.8%	20.2%	19.7%	86%
Leverage Ratio	14.9% +0.8pp YoY +0.1pp QoQ	+2.7pp	12.2%	14.0%	12.6%	86%
Total Capital Ratio	24.6% +1.2pp YoY +0.2pp QoQ	+4.6pp	19.9%	21.3%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	114 0 YoY -2 (-1.7%) QoQ	+55	58	105	482	91%
Assets per Employee ($)	$4.0M +2.6% YoY +1.4% QoQ	-$3.5M	$7.5M	$6.3M	$8.8M	4%
Branch Count	5 0 YoY 0 QoQ	0	4	8	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.4% -0.1pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	49%
Allowance Coverage	2.88x +12.8% YoY -1.3% QoQ	-21.28x	24.15x	7.45x	20.23x	57%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	9.9% -0.4pp YoY +0.5pp QoQ	-2.3pp	12.2%	13.3%	11.6%	36%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.7%	1.7%	24%
Net Income ($, YTD)	$3.2M +6.3% YoY — QoQ	+$627K	$2.6M	$5.1M	$40.4M	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#95 of 742 • Bottom 12.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.30%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 93.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#184 of 691 • Bottom 26.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

226

Tier 1 Capital Ratio

capital

Value: 23.30%

Peer Median: 15.91%

#226 of 2643 Top 8.5% in $100M-$1B

457

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.99%

#457 of 2643 Top 17.3% in $100M-$1B

639

Non-Interest-Bearing Deposit Share

funding

Value: 27.87%

Peer Median: 22.03%

#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (1 metrics)

2156

Loan-to-Deposit Ratio

liquidity

Value: 93.78%

Peer Median: 77.95%

#2156 of 2643 Bottom 18.5% in $100M-$1B