| Metric | LNB Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 18.0% | 11.9% | +6.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $181.0M | $161.3M | $137.8M | $17.1M | $1.5M | 1.64% | 4.07% | 0.18% |
| Q1 2026 | $184.8M | $165.5M | $138.1M | $16.7M | $655K | 1.41% | 3.89% | 0.18% |
| Q4 2025 | $187.4M | $169.4M | $139.2M | $16.5M | $2.1M | 1.22% | 3.85% | 0.18% |
| Q3 2025 | $165.2M | $144.4M | $136.3M | $16.2M | $1.4M | 1.15% | 3.87% | 0.06% |
| Q2 2025 | $179.8M | $160.4M | $130.0M | $15.8M | $881K | 1.06% | 3.75% | 0.05% |
| Q1 2025 | $158.5M | $139.5M | $125.8M | $15.4M | $345K | 0.86% | 3.85% | 0.09% |
| Q4 2024 | $160.6M | $143.0M | $125.0M | $15.1M | $1.5M | 0.93% | 3.35% | 0.10% |
| Q3 2024 | $155.7M | $128.3M | $118.5M | $15.0M | $1.0M | 0.83% | 3.24% | 0.10% |
Loan mix (Q2 2026): real estate $129.8M · commercial $2.5M · consumer $6.0M · securities $16.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | LNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 62.9% | 61th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | LNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | LNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | LNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | LNB Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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