Bank Comparison
Lnb Community Bank vs State Bank of Bement
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Lnb Community Bank | State Bank of Bement |
|---|---|---|
| CET1 Ratio | 15.18% | — |
| Tier 1 Capital Ratio | 15.18% | — |
| Total Capital Ratio | 16.43% | — |
| Tier 1 Leverage Ratio | 9.58% | 9.91% |
| Equity / Assets | 9.05% | 9.86% |
Profitability
| Metric | Lnb Community Bank | State Bank of Bement |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 0.71% |
| Return on Equity (ROE) | 15.78% | 7.38% |
| Net Interest Margin (NIM) | 4.00% | 3.86% |
| Yield on Earning Assets | 5.63% | 5.22% |
| Cost of Funds | 1.66% | 1.43% |
Asset quality
| Metric | Lnb Community Bank | State Bank of Bement |
|---|---|---|
| Texas Ratio | 1.79% | 1.41% |
| Non-Performing Loan Ratio | 0.24% | 0.17% |
| Non-Performing Asset Ratio | 0.18% | 0.10% |
| Net Charge-Off Ratio | 0.02% | 0.12% |
| ACL / Loans | 1.16% | 0.96% |
Balance sheet
| Metric | Lnb Community Bank | State Bank of Bement |
|---|---|---|
| Total Assets | $184,828K | $185,141K |
| Total Deposits | $165,517K | $165,833K |
| Total Loans | $139,715K | $110,265K |
| Total Equity | $16,726K | $18,255K |
| Net Income (quarter) | $655 | $335 |
Liquidity & funding
| Metric | Lnb Community Bank | State Bank of Bement |
|---|---|---|
| Loan-to-Deposit Ratio | 84.41% | 66.49% |
| Core Deposit Ratio | 98.22% | 85.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lnb Community Bank | State Bank of Bement |
|---|---|---|
| Headquarters City | LYNNVILLE | BEMENT |
| Headquarters State | IN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 40 | 30 |
| Established | Sept. 1, 1907, midnight | Jan. 17, 1914, 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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