Bank Comparison
Lnb Community Bank vs First National Bank of Raymond, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lnb Community Bank | First National Bank of Raymond, the |
|---|---|---|
| CET1 Ratio | 15.18% | — |
| Tier 1 Capital Ratio | 15.18% | — |
| Total Capital Ratio | 16.43% | — |
| Tier 1 Leverage Ratio | 9.58% | 10.94% |
| Equity / Assets | 9.05% | 7.56% |
Profitability
| Metric | Lnb Community Bank | First National Bank of Raymond, the |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 1.36% |
| Return on Equity (ROE) | 15.78% | 18.78% |
| Net Interest Margin (NIM) | 4.00% | 3.66% |
| Yield on Earning Assets | 5.63% | 4.55% |
| Cost of Funds | 1.66% | 0.98% |
Asset quality
| Metric | Lnb Community Bank | First National Bank of Raymond, the |
|---|---|---|
| Texas Ratio | 1.79% | 2.71% |
| Non-Performing Loan Ratio | 0.24% | 0.44% |
| Non-Performing Asset Ratio | 0.18% | 0.22% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.16% | 1.10% |
Balance sheet
| Metric | Lnb Community Bank | First National Bank of Raymond, the |
|---|---|---|
| Total Assets | $184,828K | $184,679K |
| Total Deposits | $165,517K | $169,920K |
| Total Loans | $139,715K | $92,545K |
| Total Equity | $16,726K | $13,957K |
| Net Income (quarter) | $655 | $645 |
Liquidity & funding
| Metric | Lnb Community Bank | First National Bank of Raymond, the |
|---|---|---|
| Loan-to-Deposit Ratio | 84.41% | 54.46% |
| Core Deposit Ratio | 98.22% | 93.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lnb Community Bank | First National Bank of Raymond, the |
|---|---|---|
| Headquarters City | LYNNVILLE | RAYMOND |
| Headquarters State | IN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 6910 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 40 | 33 |
| Established | Sept. 1, 1907, midnight | Oct. 1, 1903, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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