LNB Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.04 percentage points in Q2 2026, from 84.41% to 86.45%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, LNB Community Bank is 38th of 87 on loan-to-deposit ratio, 86.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. LNB Community Bank sits 5.61 points higher, at 86.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $139.4M |
| Net loans and leases | $137.8M |
| Loans held for sale | $0 |
| Loans to total assets | 77.05% |
| Loan-to-deposit ratio | 86.45% |
| Net loans to equity capital | 8.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.86% |
| Multifamily (5+ residential) | 2.25% |
| Commercial and industrial | 1.82% |
| Consumer | 4.29% |
| Credit cards | 0.00% |
| Farm | 3.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.50% |
| Construction concentration (Tier 1 capital + allowance) | 46.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.20% |
| Interest income on loans | $2.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $117.3M | $123.9M | 10.45% | 2.64% | 5.52% |
| Q4 2023 | $117.8M | $130.5M | 10.10% | 2.56% | 5.31% |
| Q1 2024 | $118.0M | $124.3M | 9.62% | 2.53% | 5.04% |
| Q2 2024 | $119.3M | $142.1M | 9.51% | 2.47% | 5.21% |
| Q3 2024 | $120.1M | $128.3M | 9.17% | 2.35% | 4.90% |
| Q4 2024 | $126.6M | $143.0M | 8.44% | 2.21% | 4.61% |
| Q1 2025 | $127.4M | $139.5M | 8.26% | 2.44% | 4.40% |
| Q2 2025 | $131.7M | $160.4M | 8.01% | 2.40% | 4.25% |
| Q3 2025 | $137.9M | $144.4M | 7.48% | 2.18% | 4.26% |
| Q4 2025 | $140.8M | $169.4M | 7.11% | 2.07% | 4.02% |
| Q1 2026 | $139.7M | $165.5M | 6.99% | 1.97% | 4.05% |
| Q2 2026 | $139.4M | $161.3M | 6.86% | 1.82% | 4.29% |
LNB Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock LNB Community Bank, freeSource: Call Report Schedule RC-C, 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)