The Lincoln National Bank of Hodgenville
The Lincoln National Bank of Hodgenville is an FDIC-insured commercial bank headquartered in Hodgenville, KY, supervised by the OCC, with $454.4M in total assets at Q2 2026, up 2.6% from Q2 2025, the 46th largest of 120 banks headquartered in Kentucky. It was established in 1930 and holds FDIC certificate 2750. Its CET1 capital ratio was 23.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as LNB of Hodgenville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2750
- Headquarters
- Hodgenville, KY
- Established
- 1930
- Total assets, Q2 2026
- $454.4M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 23.30%
- Domestic offices
- 5 · The Lincoln National Bank of Hodgenville branches FDIC institution directory, current count
- Routing number
- 083903386
- Safety and soundness
- Is The Lincoln National Bank of Hodgenville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Lincoln National Bank of Hodgenville Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- HAMBAC, INC.
- Asset rank in state
- 46th of 120 in Kentucky
The Lincoln National Bank of Hodgenville carries far more capital than most banks of its size. It reported $454 million in assets at June 30, 2026, up 2.6% from a year earlier. It funds 14.89% of its assets with Tier 1 capital, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also keeps 4.56 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, The Lincoln National Bank of Hodgenville reported a CET1 capital ratio of 23.30%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Lincoln National Bank of Hodgenville is the 46th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $454.4M, loans rose 0.8% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 62.4% of total loans, followed by farmland and other real estate loans at 11.5%. The FDIC Summary of Deposits lists 5 offices for it, in Bardstown, KY and Hodgenville, KY; its Bardstown 2 offices book 55% of its branch deposits. On its Q2 2026 call report, The Lincoln National Bank of Hodgenville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 41 Lincoln Sq, Hodgenville, KY 42748
- County
- Larue
- Metro Area
- Elizabethtown, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 20, 1930
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $377.8M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $52K
- Average total assets
- $460.9M
- Average total loans
- $357.9M
- Average interest-bearing deposits
- $275.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2750
- Fed RSSD
- 553944
- Website
- http://www.mylnb.com →
- Parent Holding Company
- HAMBAC, INC. (RSSD 1118911)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Lincoln National Bank of Hodgenville's total assets ranged from $417.0M (Q4 2023) to $455.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$454.4M total assets against $443.0M; $388.7M total liabilities against $383.6M.
$354.3M net loans and leases against $339.6M; $377.8M total deposits against $371.5M.
$49.3M securities against $45.0M; $38.0M cash and balances due against $45.2M.
$6.4M total interest income against $6.2M; $1.4M total interest expense against $1.5M.
$5.0M net interest income against $4.6M.
$480K total noninterest income against $488K; $3.2M total noninterest expense against $3.0M.
$72K provision for credit losses against $65K.
$1.7M net income against $1.6M.
1.47% return on assets against 1.38%; 4.56% net interest margin against 4.32%.
23.30% CET1 capital ratio against 22.12%; 14.89% tier 1 leverage ratio against 14.11%.
Inside the full The Lincoln National Bank of Hodgenville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Lincoln National Bank of Hodgenville rankings
Its closest position to the top of a national ranking is 205 of 2,134, for CET1 ratio; its furthest is 2,086 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.28% (Q1 2025) to 1.63% (Q4 2025) and its net interest margin ran from 4.12% (Q1 2025) to 4.59% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.30% | 1.47% | 0.43% | 2.41% | 4.56% |
| Q1 2026 | 23.11% | 1.31% | 0.42% | 2.45% | 4.46% |
| Q4 2025 | 22.91% | 1.63% | 0.42% | 2.46% | 4.59% |
| Q3 2025 | 22.46% | 1.44% | 0.50% | 2.90% | 4.38% |
| Q2 2025 | 22.12% | 1.38% | 0.49% | 2.89% | 4.32% |
| Q1 2025 | 21.69% | 1.28% | 0.52% | 2.86% | 4.12% |
| Q4 2024 | 21.39% | 1.63% | 0.33% | 1.85% | 4.31% |
| Q3 2024 | 21.65% | 1.39% | 0.36% | 2.03% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Lincoln National Bank of Hodgenville | Hodgenville , KY | 42748 | $129.6M |
| Lincoln Way Branch | Bardstown , KY | 40004 | $108.0M |
| Bloomfield Rd Branch | Bardstown , KY | 40004 | $99.5M |
| Parkway Branch | Hodgenville , KY | 42748 | $36.0M |
| The Lincoln Plaza Branch | Hodgenville , KY | 42748 | $4.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired Kentucky Home Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action November 8, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KY, rank 61 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 230 applications, 195 loans originated, $38.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $28K approved, $14K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Lincoln National Bank of Hodgenville
What are The Lincoln National Bank of Hodgenville's total assets?
As of the Q2 2026 filing, The Lincoln National Bank of Hodgenville reported total assets of $454.4 million in its FFIEC call report.
Where is The Lincoln National Bank of Hodgenville headquartered?
It is headquartered in Hodgenville, KY, United States.
When was The Lincoln National Bank of Hodgenville founded?
It was established in 1930, per the FDIC institution directory.
Is The Lincoln National Bank of Hodgenville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2750). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lincoln National Bank of Hodgenville?
The Lincoln National Bank of Hodgenville's primary federal regulator is the OCC.
What is The Lincoln National Bank of Hodgenville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Lincoln National Bank of Hodgenville operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lincoln National Bank of Hodgenville's Texas Ratio?
Its Texas Ratio is 2.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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