LNB Community Bank: how it compares with its peers
Against 26 IN banks with half to twice its assets, LNB Community Bank's strongest measure in Q2 2026 is return on assets (1.64% vs. a 0.92% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.2M).
| Measure | LNB Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.64% | 0.92% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.54% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.58% | 70.50% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.2M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.45% | 78.85% | Context |
What it means for lending operations
Its efficiency ratio of 66.58% is better than the 70.50% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Home National Bank of Thorntown Thorntown, IN · $186M
- Community State Bank Royal Center, IN · $176M
- Fowler State Bank Fowler, IN · $190M
- First State Bank of Porter Porter, IN · $162M
- Community State Bank Brook, IN · $161M
- First Federal Savings and Loan Association of Greensburg Greensburg, IN · $159M
Questions about LNB Community Bank
How big is LNB Community Bank?
LNB Community Bank, established in 1907, is headquartered in Lynnville, IN. It reported $181M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is LNB Community Bank's return on assets?
1.64% annualized in Q2 2026, against a 0.92% median for 26 IN banks with half to twice its assets, ahead of 92% of them.
What is LNB Community Bank's efficiency ratio?
66.58% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 70.50%, and lower is better.
Is LNB Community Bank growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 0.5%.
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 IN 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 Indiana bank ranked.