The Lincoln National Bank of Hodgenville: how it compares with its peers
Against 56 KY banks with half to twice its assets, The Lincoln National Bank of Hodgenville's strongest measure in Q2 2026 is net interest margin (4.61% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.32% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.61% | 3.92% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.17% | 58.28% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $6.0M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.78% | 83.52% | Context |
What it means for lending operations
Its efficiency ratio of 60.17% is above the 58.28% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Meade County Bank Brandenburg, KY · $458M
- United Cumberland Bank Whitley City, KY · $460M
- Morgantown Bank & Trust Company, Incorporated Morgantown, KY · $440M
- Pbt Bancorp Hazard, KY · $473M
- Town & Country Bank and Trust Company Bardstown, KY · $434M
- The First National Bank of Russell Springs Russell Springs, KY · $475M
Questions about The Lincoln National Bank of Hodgenville
How big is The Lincoln National Bank of Hodgenville?
The Lincoln National Bank of Hodgenville, established in 1930, is headquartered in Hodgenville, KY. It reported $454M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Lincoln National Bank of Hodgenville's return on assets?
1.41% annualized in Q2 2026, against a 1.32% median for 56 KY banks with half to twice its assets, ahead of 52% of them.
What is The Lincoln National Bank of Hodgenville's efficiency ratio?
60.17% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.28%, and lower is better.
Is The Lincoln National Bank of Hodgenville growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.