LNB COMMUNITY BANK

LYNNVILLE, IN · Supervised by FDIC

Est. 1907FDIC #4,398RSSD: FDIC-4398

Part ofLNB COMMUNITY BCORP→ View all charters

Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.41%

Institution Profile

FDIC BankFind

Website

www.lnbbanking.com

Address

215 N Main St, LYNNVILLE, IN

County

Warrick County

Established

September 1, 1907

Total Assets

$185M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2025

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$185M

Total Deposits

$166M

Net Loans

$138M

Net Income

$655K

ROA

1.41%

ROE

15.78%

Risk-Based Capital

16.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.58%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$160M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	251	84.46%	5.58%
2023	208	83.65%	7.69%
2022	257	87.55%	3.50%
2021	368	83.42%	7.07%
2020	418	83.01%	6.70%
2019	176	80.68%	9.09%
2018	159	68.55%	12.58%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2019

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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