BlastPoint's Banking Scorecard
The Lincoln National Bank of Hodgenville
Micro
Specialty: Consumer
KY
FDIC cert 2750
Designations: ✓ Community bank
Hodgenville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Lincoln National Bank of Hodgenville demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.06% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$442.5M
-1.2% YoY
-0.7% QoQ
|
+$225.0M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$347.9M
+3.7% YoY
+0.5% QoQ
|
+$208.7M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$370.3M
-2.1% YoY
-1.0% QoQ
|
+$186.7M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.45%
+0.7% YoY
+5.2% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.43%
+4.3% YoY
+2.5% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
57.88%
+0.7% YoY
-1.9% QoQ
|
-9.85% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.43%
+30.0% YoY
-15.1% QoQ
|
-0.21% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
93.93%
+5.8% YoY
+1.4% QoQ
|
+19.41% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
27.81%
+0.8% YoY
+4.7% QoQ
|
+5.41% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.37%
+48.6% YoY
-13.0% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
22.91%
+7.1% YoY
+2.0% QoQ
|
+14.06% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.44%
-0.7% YoY
+34.6% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.91%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $347.9M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $442.5M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $370.3M · Tier avg: $183.7M
91
91th pctile
Tier 1 Capital Ratio
Current: 22.91% · Tier avg: 8.85%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
73
73th pctile
Efficiency Ratio
Current: 57.88% · Tier avg: 67.73%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.81% · Tier avg: 22.39%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
49
49th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.93% · Tier avg: 74.53%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.93% · Tier avg: 74.53%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.81% · Tier avg: 22.39%
73
73th pctile
Efficiency Ratio
Current: 57.88% · Tier avg: 67.73%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.91% · Tier avg: 8.85%
93
93th pctile
Total Deposits
Current: $370.3M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $442.5M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $347.9M · Tier avg: $139.2M