LNB Community Bank (FDIC certificate #4398) is based in Lynnville, Indiana. Its Q2 2026 call report shows $181.0M in total assets and $161.3M in deposits and 4 offices.
Based on its Q2 2026 filing, LNB Community Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 36th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is funding & liquidity (42/100; 85% loans-to-deposits, 45% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.58% |
| Q3 2024 | 9.33% |
| Q4 2024 | 9.61% |
| Q1 2025 | 9.94% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.71% |
| Q4 2025 | 9.62% |
| Q1 2026 | 9.58% |
| Q2 2026 | 9.36% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.86% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $181.0M | 9.36% | 0.23% | 1.64% | 85.4% |
| Q1 2026 | 68 | $184.8M | 9.58% | 0.24% | 1.41% | 83.4% |
| Q4 2025 | 67 | $187.4M | 9.62% | 0.22% | 1.22% | 82.2% |
| Q3 2025 | 68 | $165.2M | 9.71% | 0.05% | 1.15% | 94.4% |
| Q2 2025 | 68 | $179.8M | 9.76% | 0.05% | 1.06% | 81.1% |
| Q1 2025 | 67 | $158.5M | 9.94% | 0.09% | 0.86% | 90.2% |
| Q4 2024 | 66 | $160.6M | 9.61% | 0.10% | 0.93% | 87.4% |
| Q3 2024 | 64 | $155.7M | 9.33% | 0.10% | 0.83% | 92.4% |
| Q2 2024 | 65 | $173.3M | 9.58% | 0.13% | 0.86% | 82.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Home National Bank of ThorntownBank Thorntown, IN | 68 out of 100, Moderate | $185.6M | 10.4% | 0.62% | vs |
| Community State BankBank Royal Center, IN | 70 out of 100, Strong | $175.9M | 10.5% | 0.37% | vs |
| Fowler State BankBank Fowler, IN | 80 out of 100, Strong | $190.3M | 15.5% | 0.61% | vs |
| First State Bank of PorterBank Porter, IN | 90 out of 100, Very strong | $162.3M | 16.8% | 0.00% | vs |
| Community State BankBank Brook, IN | 61 out of 100, Moderate | $161.2M | 9.4% | 0.44% | vs |
| First Federal Savings and Loan Association of GreensburgBank Greensburg, IN | 66 out of 100, Moderate | $159.5M | 12.3% | 1.18% | vs |
Deposit insurance
Is my money safe at LNB Community Bank?
Yes. LNB Community Bank is an FDIC-insured institution (FDIC certificate #4398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.6% of deposits ($72.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.36%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.23% (benchmark: 10%).
4 locations
Branches
LNB Community Bank lists 4 offices in 4 cities. Most locations:
- Boonville, IN (1)
- Chandler, IN (1)
- Lynnville, IN (1)
- Newburgh, IN (1)
HMDA 2025
Mortgage lending
In 2025, LNB Community Bank reported 211 home-loan applications under HMDA (LEI 213800XA5M2HOWATHG59): 170 originated ($36,030,000 total), 14 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- LNB Community Bank
- Former names
- The Lynnville National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 4398
- RSSD ID
- 176642
- Primary regulator
- FDIC
- Holding company
- Lnb Community Bcorp
- Established
- September 1, 1907
- Headquarters
- 215 N Main St, Lynnville, IN 47619
- Website
- www.lnbbanking.com
- Employees
- 39
Quick answers
LNB Community Bank: common questions
Is LNB Community Bank FDIC insured?
Yes. LNB Community Bank is an FDIC-insured institution (FDIC certificate #4398). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is LNB Community Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has LNB Community Bank ever failed?
There is no failure record for FDIC certificate #4398 in the FDIC failed bank list.
How many branches does LNB Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lynnville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom BankBank Huntingburg, IN | 82 out of 100, Strong | $585.7M | 12.6% | 0.23% | vs |
| Springs Valley Bank & Trust CompanyBank French Lick, IN | 81 out of 100, Strong | $675.3M | 12.5% | 0.14% | vs |
| Evansville Firefighters Federal Credit UnionCredit union Evansville, IN | 81 out of 100, Strong | $33.8M | 12.4% | 0.00% | vs |
| Origins Credit UnionCredit union Indianapolis, IN | 79 out of 100, Strong | $43.7M | 16.3% | 0.25% | vs |
| Diamond Valley Federal Credit UnionCredit union Evansville, IN | 78 out of 100, Strong | $178.8M | 12.9% | 0.72% | vs |
| Heritage Federal Credit UnionCredit union Newburgh, IN | 77 out of 100, Strong | $1.0B | 12.3% | 0.33% | vs |