LNB COMMUNITY BANK

LYNNVILLE, IN | Small | Est. Sept. 1, 1907, midnight | FDIC #4398 | RSSD #176642 | FDIC
Latest Report: 2025-12-31

LNB COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in LYNNVILLE, IN, established in Sept. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $187M and total deposits of $169M. Profitability stands at 1.49% ROA and 16.05% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 16.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.87%. FDIC Certificate #4398.

Assets

$187M

Deposits

$169M

Loans

$141M

Equity

$16M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 16.05%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.91%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.87%
NPA Ratio 0.18%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 16.12%
Tier 1 Capital 16.12%
Total Capital Ratio 17.37%
Leverage Ratio 9.62%
Loan-to-Deposit 83.16%

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