LNB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks LNB Community Bank of Lynnville, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 20.25% | 13.32% | +6.93% | 88th top |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 64.15% | 61.13% | +3.02% | 41st below |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 5.73% | 5.67% | +0.06% | 56th above |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 52nd above |
| Net Interest Spread | 3.67% | 3.32% | +0.35% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 501.24% | 1546.32% | -1045.08% | 71st above |
| Texas Ratio | 1.72% | 7.34% | -5.62% | 65th above |
| Provision / NCO | 0.00% | 1395.24% | -1395.24% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.98% | 19.49% | -2.51% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.98% | 19.52% | -2.54% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.23% | 20.61% | -2.38% | 64th above |
| Leverage Ratio | 9.36% | 12.14% | -2.78% | 18th bottom |
| Equity / Assets | 9.47% | 11.37% | -1.90% | 35th below |
| TCE / Tangible Assets | 9.47% | 11.08% | -1.61% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.45% | 80.66% | +5.79% | 37th below |
| Core Deposit Ratio | 97.99% | 86.85% | +11.14% | 96th top |
| Wholesale Funding Ratio | 1.11% | 5.04% | -3.93% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.67% | 6.84% | -6.17% | 23rd bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.89% | 7.92% | -2.03% | 53rd above |
| Deposit Growth (Y/Y) | 0.52% | 6.29% | -5.77% | 26th below |
See LNB Community Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock LNB Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full LNB Community Bank profile, how to read a UBPR, or how this data updates.