LNB Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 1.80 percentage points higher than in Q1 2026, at 18.23%. LNB Community Bank ranks 7th of 50 Indiana banks on CET1 ratio, in the upper half at 16.98% (Q2 2026). LNB Community Bank reported 16.98% on CET1 ratio for Q2 2026, 1.91 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.98% |
| Tier 1 risk-based capital ratio | 16.98% |
| Total risk-based capital ratio | 18.23% |
| Tier 1 leverage ratio | 9.36% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $17.4M |
| Tier 1 capital | $17.4M |
| Total risk-based capital | $18.7M |
| Total equity capital | $17.1M |
| Risk-weighted assets | $102.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 9.20% |
| Internal capital growth rate | 10.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $400K |
| Retained earnings | $16.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$287K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.65% | 16.65% | 17.91% | 9.09% | $88.9M |
| Q4 2023 | 16.63% | 16.63% | 17.88% | 9.39% | $89.7M |
| Q1 2024 | 16.92% | 16.92% | 18.18% | 9.18% | $88.7M |
| Q2 2024 | 16.99% | 16.99% | 18.24% | 9.58% | $90.0M |
| Q3 2024 | 17.17% | 17.17% | 18.42% | 9.32% | $89.9M |
| Q4 2024 | 16.35% | 16.35% | 17.60% | 9.61% | $95.8M |
| Q1 2025 | 14.97% | 14.97% | 16.22% | 9.94% | $105.9M |
| Q2 2025 | 16.43% | 16.43% | 17.69% | 9.76% | $98.1M |
| Q3 2025 | 16.29% | 16.29% | 17.55% | 9.71% | $100.5M |
| Q4 2025 | 16.12% | 16.12% | 17.37% | 9.62% | $103.3M |
| Q1 2026 | 15.18% | 15.18% | 16.43% | 9.58% | $111.9M |
| Q2 2026 | 16.98% | 16.98% | 18.23% | 9.36% | $102.6M |
LNB Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock LNB Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full LNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4398) · FFIEC NIC profile (RSSD 176642)