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LNB Community Bank

$100M-$1B Specialty: Mortgage IN FDIC cert 4398

Lynnville, IN

4 branches across IN

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 60 in IN.
  • Deposits +0.5% year over year ($161.3M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.64%.
  • Efficiency ratio 66.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.45% 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 60 in IN
View $100M-$1B leaderboard (IN) →

LNB Community Bank has 4 strengths but faces 4 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

  • + Revenue Diversifier: Top 38.0% in tier
  • + ROA 0.32% above tier average
  • + Net Interest Margin 0.09% above tier average
  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 29.0% in tier
  • - Credit Risk Growth: Bottom 30.0% in tier
  • - Liquidity Overhang: Bottom 43.9% in tier
  • - Efficiency Ratio 2.10% above tier average
Get updates when LNB Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $181.0M
+0.7% YoY -2.1% QoQ
-$205.6M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $137.8M
+6.0% YoY -0.2% QoQ
-$120.5M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $161.3M
+0.5% YoY -2.6% QoQ
-$165.5M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.64%
+54.8% YoY +16.5% QoQ
+0.32% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 4.07%
+8.5% YoY +4.7% QoQ
+0.09% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 66.58%
-11.3% YoY -3.8% QoQ
+2.10% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.23%
+367.5% YoY -1.9% QoQ
-0.68% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 85.45%
+5.4% YoY +2.4% QoQ
+7.50% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 12.87%
+10.0% YoY -2.3% QoQ
-9.16% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.18%
+247.7% YoY -0.0% QoQ
-0.49% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 16.98%
+3.3% YoY +11.8% QoQ
+1.07% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.51%
+20.9% YoY +127.2% QoQ
-0.06% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Top 9.4% in tier

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 12.9%
+1.2pp YoY
-0.3pp QoQ
 -9.3pp 22.1% 16.8% 22.2% 17%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 1.8%
-0.6pp YoY
-0.2pp QoQ
 -9.7pp 11.6% 11.1% 12.5% 6%
CRE 15.6%
-2.2pp YoY
0.0pp QoQ
 -24.0pp 39.5% 36.2% 41.4% 11%
1-4 Family 74.8%
+2.1pp YoY
-0.2pp QoQ
 +42.2pp 32.6% 40.0% 31.3% 95%
Consumer 4.3%
0.0pp YoY
+0.2pp QoQ
 +0.2pp 4.1% 3.2% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 17.0%
+0.6pp YoY
+1.8pp QoQ
 -1.8pp 18.8% 17.5% 19.7% 64%
Leverage Ratio 9.4%
-0.4pp YoY
-0.2pp QoQ
 -2.8pp 12.2% 13.0% 12.6% 18%
Total Capital Ratio 18.2%
+0.5pp YoY
+1.8pp QoQ
 -1.7pp 19.9% 18.7% 20.8% 64%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 39
+2 (+5.4%) YoY
-1 (-2.5%) QoQ
 -20 58 237 482 40%
Assets per Employee ($) $4.6M
-4.5% YoY
+0.4% QoQ
 -$2.9M $7.5M $7.5M $8.8M 10%
Branch Count 4
0 YoY
0 QoQ
 -1 4 17 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 33%
Allowance Coverage 5.01x
-80.0% YoY
+2.0% QoQ
 -19.14x 24.15x 6.71x 20.23x 70%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 18.0%
+6.6pp YoY
+2.2pp QoQ
 +5.8pp 12.2% 11.2% 11.6% 82%
Cost of Funds (YTD) 1.7%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 47%
Net Income ($, YTD) $1.5M
+71.6% YoY
— QoQ
 -$1.0M $2.6M $16.3M $40.4M 42%

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 (1)

Revenue Diversifier

growth
#252 of 661 • Top 38.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.51%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.64%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#365 of 1256 • Bottom 29.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#282 of 936 • Bottom 30.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#327 of 742 • Bottom 43.9% 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: 16.98%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 85.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

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

Top Strengths (2 metrics)

250
Non-Interest Income / Assets
revenue_mix
Value: 0.51%
Peer Median: 0.57%
#250 of 2643 Top 9.4% in $100M-$1B
615
Tier 1 Capital Ratio
capital
Value: 16.98%
Peer Median: 15.91%
#615 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (3 metrics)

2193
Non-Interest-Bearing Deposit Share
funding
Value: 12.87%
Peer Median: 22.03%
#2193 of 2643 Bottom 17.1% in $100M-$1B
2073
Total Assets
size
Value: $180.96M
Peer Median: $386.57M
#2073 of 2643 Bottom 21.6% in $100M-$1B
2002
Total Deposits
size
Value: $161.28M
Peer Median: $326.73M
#2002 of 2643 Bottom 24.3% in $100M-$1B
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