TellerScore

Headquartered in Hodgenville, Kentucky, The Lincoln National Bank of Hodgenville is a national bank with $454.4M in total assets and $377.8M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1930.

Based on its Q2 2026 filing, The Lincoln National Bank of Hodgenville scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 9th. Its strongest component is capital cushion (99/100; 14.89%), and its lowest is funding & liquidity (65/100; 94% loans-to-deposits, 16% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Tier 1 leverage ratio: 14.89%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 93.8% · 16.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.38%

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

From Q2 2025 to Q2 2026, the score rose 4 points (82 → 86), mostly because the capital cushion component improved by 8 points.

TellerScore
818486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202484
Q1 202581
Q2 202582
Q3 202584
Q4 202585
Q1 202685
Q2 202686
Tier 1 leverage ratio
5.00%9.94%14.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.55%
Q3 202413.93%
Q4 202413.76%
Q1 202513.85%
Q2 202514.11%
Q3 202514.50%
Q4 202514.54%
Q1 202614.80%
Q2 202614.89%
Noncurrent loans
0.33%0.42%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20240.36%
Q4 20240.33%
Q1 20250.52%
Q2 20250.49%
Q3 20250.50%
Q4 20250.42%
Q1 20260.42%
Q2 20260.43%
Return on assets
1.28%1.36%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.37%
Q4 20241.44%
Q1 20251.28%
Q2 20251.34%
Q3 20251.38%
Q4 20251.45%
Q1 20261.32%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$454.4M14.89%0.43%1.41%93.8%
Q1 202685$455.9M14.80%0.42%1.32%92.3%
Q4 202585$442.5M14.54%0.42%1.45%93.9%
Q3 202584$445.7M14.50%0.50%1.38%92.6%
Q2 202582$443.0M14.11%0.49%1.34%91.4%
Q1 202581$452.6M13.85%0.52%1.28%88.2%
Q4 202484$447.8M13.76%0.33%1.44%88.7%
Q3 202483$425.5M13.93%0.36%1.37%93.5%
Q2 202482$419.3M13.55%0.38%1.35%90.5%

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).

Capital ratio14.89%
86th
Total risk-based capital24.56%
93rd
Problem loans0.43%
49th
Net charge-offs0.03%
34th
Return on assets1.41%
60th
Net interest margin4.61%
83rd
Efficiency ratio60.2%
57th
Loans to deposits93.8%
18th
Uninsured deposits16.0%
79th
Loan-loss reserves1.23%
54th
Texas ratio2.4%
54th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Meade County BankBank Brandenburg, KY65 out of 100, Moderate$458.4M8.8%0.19%vs
United Cumberland BankBank Whitley City, KY71 out of 100, Strong$460.2M11.5%1.39%vs
Morgantown Bank & Trust Company, IncorporatedBank Morgantown, KY63 out of 100, Moderate$439.7M8.2%0.24%vs
Pbt BancorpBank Hazard, KY28 out of 100, Low$473.2M8.2%2.66%vs
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
The First National Bank of Russell SpringsBank Russell Springs, KY73 out of 100, Strong$475.2M10.5%0.11%vs

Deposit insurance

Is my money safe at The Lincoln National Bank of Hodgenville?

Yes. The Lincoln National Bank of Hodgenville is an FDIC-insured institution (FDIC certificate #2750). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.0% of deposits ($60.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.56% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The Lincoln National Bank of Hodgenville lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Lincoln National Bank of Hodgenville reported 230 home-loan applications under HMDA (LEI 549300DUOQ7XXHRKPG35): 195 originated ($37,965,000 total), 15 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.8%, 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
The Lincoln National Bank of Hodgenville
Type
National bank
FDIC certificate #
2750
RSSD ID
553944
Primary regulator
OCC
Holding company
Hambac Inc
Established
July 20, 1930
Headquarters
41 Lincoln Sq, Hodgenville, KY 42748
Employees
114

Quick answers

The Lincoln National Bank of Hodgenville: common questions

Is The Lincoln National Bank of Hodgenville FDIC insured?

Yes. The Lincoln National Bank of Hodgenville is an FDIC-insured institution (FDIC certificate #2750). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Lincoln National Bank of Hodgenville's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Lincoln National Bank of Hodgenville ever failed?

There is no failure record for FDIC certificate #2750 in the FDIC failed bank list.

How many branches does The Lincoln National Bank of Hodgenville have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hodgenville

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
United Citizens Bank of Southern KentuckyBank Columbia, KY81 out of 100, Strong$286.2M12.1%0.43%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank & Trust CompanyBank Campbellsville, KY79 out of 100, Strong$383.4M13.1%0.57%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs