Bank Comparison
Lnb Community Bank vs Home National Bank of Thorntown, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lnb Community Bank | Home National Bank of Thorntown, the |
|---|---|---|
| CET1 Ratio | 15.18% | — |
| Tier 1 Capital Ratio | 15.18% | — |
| Total Capital Ratio | 16.43% | — |
| Tier 1 Leverage Ratio | 9.58% | 10.28% |
| Equity / Assets | 9.05% | 9.73% |
Profitability
| Metric | Lnb Community Bank | Home National Bank of Thorntown, the |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 0.93% |
| Return on Equity (ROE) | 15.78% | 9.85% |
| Net Interest Margin (NIM) | 4.00% | 4.22% |
| Yield on Earning Assets | 5.63% | 5.65% |
| Cost of Funds | 1.66% | 1.50% |
Asset quality
| Metric | Lnb Community Bank | Home National Bank of Thorntown, the |
|---|---|---|
| Texas Ratio | 1.79% | 13.12% |
| Non-Performing Loan Ratio | 0.24% | 1.54% |
| Non-Performing Asset Ratio | 0.18% | 1.12% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.16% | 1.48% |
Balance sheet
| Metric | Lnb Community Bank | Home National Bank of Thorntown, the |
|---|---|---|
| Total Assets | $184,828K | $176,971K |
| Total Deposits | $165,517K | $158,810K |
| Total Loans | $139,715K | $128,701K |
| Total Equity | $16,726K | $17,228K |
| Net Income (quarter) | $655 | $420 |
Liquidity & funding
| Metric | Lnb Community Bank | Home National Bank of Thorntown, the |
|---|---|---|
| Loan-to-Deposit Ratio | 84.41% | 81.04% |
| Core Deposit Ratio | 98.22% | 92.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lnb Community Bank | Home National Bank of Thorntown, the |
|---|---|---|
| Headquarters City | LYNNVILLE | THORNTOWN |
| Headquarters State | IN | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 5842 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 40 | 26 |
| Established | Sept. 1, 1907, midnight | May 31, 1901, 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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