LNB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
LNB Community Bank is an FDIC-insured commercial bank headquartered in Lynnville, IN, established in 1907 (FDIC certificate 4398), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $181.0M, up 0.7% from Q2 2025, the 72nd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 16.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4398
- Headquarters
- Lynnville, IN
- Established
- 1907
- Total assets, Q2 2026
- $181.0M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 16.98%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081308161
- Latest call report
- Q2 2026, FFIEC 051 · LNB Community Bank call report
- Holding company
- LNB COMMUNITY BANCORP
- Asset rank in state
- 72nd of 87 in Indiana
LNB Community Bank is one of the more profitable banks of its size. Its balance sheet stood at $181 million at June 30, 2026; it is based in Lynnville, Indiana. It returns 20.3% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 9.36% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $857,000, 60% above the same quarter a year earlier. Over the same year, loans grew 5.9% and deposits grew 0.5%.
As of June 30, 2026, LNB Community Bank reported a CET1 capital ratio of 16.98%, a return on assets of 1.84%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.72%. The figures come from its call report filed with the FFIEC.
LNB Community Bank ranks as the 72nd largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $181.0M, loans fell 0.2% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 73.9% of total loans, followed by construction and land development loans at 6.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IN; its Lynnville office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, LNB Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 N Main St, Lynnville, IN 47619
- County
- Warrick
- Metro Area
- Evansville, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1907
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $161.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $186.1M
- Average total loans
- $139.4M
- Average interest-bearing deposits
- $143.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4398
- Fed RSSD
- 176642
- Website
- www.lnbbanking.com →
- Parent Holding Company
- LNB COMMUNITY BANCORP (RSSD 2807007)
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. 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
Over the 12 quarters to Q2 2026, LNB Community Bank's total assets ran between $154.0M (Q3 2023) and $187.4M (Q4 2025), 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
$181.0M total assets against $179.8M; $163.8M total liabilities against $164.0M.
$137.8M net loans and leases against $130.0M; $161.3M total deposits against $160.4M.
$16.1M securities against $15.2M; $19.2M cash and balances due against $26.9M.
$2.6M total interest income against $2.2M; $742K total interest expense against $679K.
$1.8M net interest income against $1.5M.
$507K total noninterest income against $411K; $1.5M total noninterest expense against $1.3M.
$0 provision for credit losses against $40K.
$857K net income against $536K.
1.84% return on assets against 1.30%; 4.09% net interest margin against 3.76%.
16.98% CET1 capital ratio against 16.43%; 9.36% tier 1 leverage ratio against 9.76%.
Inside the full LNB Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLNB Community Bank rankings
Its closest position to the top of a national ranking is 683 of 3,611, for ROA; its furthest is 3,096 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q3 2024) to 1.84% (Q2 2026) and its net interest margin ran from 3.23% (Q3 2024) to 4.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.98% | 1.84% | 0.23% | 1.72% | 4.09% |
| Q1 2026 | 15.18% | 1.48% | 0.24% | 1.79% | 4.00% |
| Q4 2025 | 16.12% | 1.49% | 0.22% | 1.87% | 3.94% |
| Q3 2025 | 16.29% | 1.31% | 0.05% | 0.55% | 3.94% |
| Q2 2025 | 16.43% | 1.30% | 0.05% | 0.53% | 3.76% |
| Q1 2025 | 14.97% | 0.87% | 0.09% | 0.84% | 3.75% |
| Q4 2024 | 16.35% | 1.24% | 0.10% | 0.92% | 3.60% |
| Q3 2024 | 17.17% | 0.73% | 0.10% | 0.90% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| LNB Community Bank (main office) | Lynnville , IN | 47619 | $77.8M |
| Chandler Branch | Chandler , IN | 47610 | $41.1M |
| Boonville in Branch | Boonville , IN | 47601 | $27.2M |
| Newburgh Branch | Newburgh , IN | 47630 | $15.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 97 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 212 applications, 170 loans originated, $36.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 LNB Community Bank
What are LNB Community Bank's total assets?
As of the Q2 2026 filing, LNB Community Bank reported total assets of $181.0 million in its FFIEC call report.
Where is LNB Community Bank headquartered?
It is headquartered in Lynnville, IN, United States.
When was LNB Community Bank founded?
It was established in 1907, per the FDIC institution directory.
Is LNB Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates LNB Community Bank?
LNB Community Bank's primary federal regulator is the FDIC.
What is LNB Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does LNB Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is LNB Community Bank's Texas Ratio?
Its Texas Ratio is 1.72% 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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