LNB Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 9.75 percentage points in Q2 2026, from 491.49% to 501.24%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, LNB Community Bank is 11th of 87 on return on assets, 1.84% as of Q2 2026, above the middle of the field. LNB Community Bank reported 1.84% on return on assets for Q2 2026, 0.59 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.98% |
| Tier 1 risk-based capital ratio | 16.98% |
| Total risk-based capital ratio | 18.23% |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.72% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 501.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 20.25% |
| Net interest margin | 4.09% |
| Efficiency ratio | 64.15% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.45% |
| Core deposits to total deposits | 97.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.13% |
| Securities to assets | 8.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.65% | 16.65% | 17.91% | 9.09% | 1.02% |
| Q4 2023 | 16.63% | 16.63% | 17.88% | 9.39% | 0.80% |
| Q1 2024 | 16.92% | 16.92% | 18.18% | 9.18% | 0.53% |
| Q2 2024 | 16.99% | 16.99% | 18.24% | 9.58% | 1.24% |
| Q3 2024 | 17.17% | 17.17% | 18.42% | 9.32% | 0.73% |
| Q4 2024 | 16.35% | 16.35% | 17.60% | 9.61% | 1.24% |
| Q1 2025 | 14.97% | 14.97% | 16.22% | 9.94% | 0.87% |
| Q2 2025 | 16.43% | 16.43% | 17.69% | 9.76% | 1.30% |
| Q3 2025 | 16.29% | 16.29% | 17.55% | 9.71% | 1.31% |
| Q4 2025 | 16.12% | 16.12% | 17.37% | 9.62% | 1.49% |
| Q1 2026 | 15.18% | 15.18% | 16.43% | 9.58% | 1.48% |
| Q2 2026 | 16.98% | 16.98% | 18.23% | 9.36% | 1.84% |
LNB Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock LNB Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)