LNB Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Yield on securities rose 0.46 percentage points in Q2 2026 to 3.63%, the biggest move on this page. LNB Community Bank ranks 26th of 87 Indiana banks on net interest margin, in the upper half at 4.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. LNB Community Bank sits 0.14 points higher, at 4.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | 6.20% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $742K |
| Interest expense on deposits | $723K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.64% | 1.37% | 3.36% | 5.32% | 1.43% |
| Q4 2023 | 4.97% | 1.72% | 3.34% | 5.61% | 1.67% |
| Q1 2024 | 4.92% | 1.89% | 3.11% | 5.48% | 1.66% |
| Q2 2024 | 5.14% | 1.91% | 3.32% | 5.69% | 1.69% |
| Q3 2024 | 5.27% | 2.18% | 3.23% | 5.83% | 1.85% |
| Q4 2024 | 5.37% | 1.99% | 3.60% | 5.86% | 2.23% |
| Q1 2025 | 5.36% | 1.75% | 3.75% | 5.81% | 2.19% |
| Q2 2025 | 5.46% | 1.83% | 3.76% | 5.93% | 2.26% |
| Q3 2025 | 5.75% | 1.97% | 3.94% | 6.13% | 2.89% |
| Q4 2025 | 5.72% | 1.94% | 3.94% | 6.13% | 3.01% |
| Q1 2026 | 5.63% | 1.76% | 4.00% | 6.09% | 3.21% |
| Q2 2026 | 5.73% | 1.78% | 4.09% | 6.20% | 3.67% |
LNB Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock LNB Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)