What are the current interest rates at LNB Community Bank?

Current rates for LNB Community Bank include: 12-Month CD: 3.82%, 18-Month CD: 1.00%, 24-Month CD: 2.53%, 36-Month CD: 2.79%, 48-Month CD: 3.04%, 60-Month CD: 3.28%, Savings: 4.07%, MMA: 0.50%

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LNB Community Bank

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LNB Community Bank Rates & Review October 2026

Q: How many branches does LNB Community Bank operate?

LNB Community Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, LNB Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LNB Community Bank provides members with tools to manage their accounts and build a solid financial history.

Q: Does LNB Community Bank offer online and mobile banking?

Most modern institutions like LNB Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lnbbanking.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

LNB Community Bank's top rates as of October 7, 2026 are 4.20% APY on its 7-Months 7-Month Certificates of Deposit CD, 4.07% APY on savings, 0.50% APY on money market accounts, 3.56% APY on checking, and auto loans from 5.376% APR, according to rates verified by MonitorBankRates. Other LNB Community Bank CD rates include 11-Months 11-Month Certificates of Deposit at 4.11%, 1 Year Relationship at 4.04%, and 5 Years Relationship at 4.04%. MonitorBankRates evaluates the financial stability of LNB Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.88%. Rates last updated and verified on 10/07/2026.

LNB Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at LNB Community Bank? Share your experience about LNB Community Bank by leaving a review below, or read customer reviews before you decide to use LNB Community Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

LNB Community Bank

215 N Main St
Lynnville, IN 47619

https://www.lnbbanking.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

LNB Community Bank CD Rates

Product	Rate	APY	Term
7 Month Certificates of Deposit	4.16%	4.20%	7 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.01% → 4.20% ▲ 2.19 pts · high 4.20% / low 2.01% Sep 24, 20264.20%▲ from 2.01% Sep 19, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
11 Month Certificates of Deposit	4.07%	4.11%	11 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.01% → 4.11% ▲ 2.10 pts · high 4.11% / low 2.01% Sep 24, 20264.11%▲ from 2.01% Sep 19, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
1 Year Relationship	4.00%	4.04%	1 Year
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5 Years Relationship	4.00%	4.04%	5 Years
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
7 Years Relationship	4.00%	4.04%	7 Years
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
12 Month Certificates of Deposit	3.75%	3.82%	12 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.28% → 3.82% ▲ 0.54 pts · high 3.82% / low 3.28% Sep 24, 20263.82%▲ from 3.28% Sep 19, 20263.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2 Years Relationship	3.75%	3.79%	2 Years
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.79% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5 Month Certificates of Deposit	3.75%	3.79%	5 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
9 Month Certificates of Deposit	3.75%	3.79%	9 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.79% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Certificates of Deposit	3.50%	3.56%
Min Deposit $10,000 Details Condition: 6 Months ($10M or >). Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
60 Month Certificates of Deposit	3.50%	3.56%	60 Months
Min Deposit $10,000 Details Term: 60 Months ($10M and >) Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.28% → 3.56% ▲ 0.28 pts · high 3.56% / low 3.28% Sep 24, 20263.56%▲ from 3.28% Sep 19, 20263.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Years Relationship	3.50%	3.53%	3 Years
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
4 Years Relationship	3.25%	3.28%	4 Years
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
42 month Relationship	3.25%	3.28%	42 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
50 month Relationship	3.25%	3.28%	50 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
60 Month Certificates of Deposit	3.25%	3.28%
Min Deposit $500 Details Condition: 60 Months (<$10M). Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
42 Month Certificates of Deposit	3.00%	3.04%	42 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.77% → 3.04% ▲ 0.27 pts · high 3.04% / low 2.77% Sep 24, 20263.04%▲ from 2.77% Sep 19, 20262.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
48 Month Certificates of Deposit	3.00%	3.04%	48 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.77% → 3.04% ▲ 0.27 pts · high 3.04% / low 2.77% Sep 24, 20263.04%▲ from 2.77% Sep 19, 20262.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30 Month Certificates of Deposit	2.75%	2.79%	30 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.52% → 2.79% ▲ 0.27 pts · high 2.79% / low 2.52% Sep 24, 20262.79%▲ from 2.52% Sep 19, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
36 Month Certificates of Deposit	2.75%	2.79%	36 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.52% → 2.79% ▲ 0.27 pts · high 2.79% / low 2.52% Sep 24, 20262.79%▲ from 2.52% Sep 19, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
24 Month Certificates of Deposit	2.50%	2.53%	24 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.77% → 2.53% ▼ 0.24 pts · high 2.77% / low 2.53% Sep 24, 20262.53%▼ from 2.77% Sep 19, 20262.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
15 Month Certificates of Deposit	2.00%	2.01%	15 Months ^
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Certificates of Deposit	2.00%	2.01%	18 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Month Certificates of Deposit	2.00%	2.01%	3 Months
Min Deposit $2,500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Certificates of Deposit	2.00%	2.01%
Min Deposit $2,500 Details Condition: 6 Months (<$10M). Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Certificates of Deposit	1.00%	1.00%	18 Months
Min Deposit $500 Details Term: 18 Months (TDOA - Var) Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Savings Rates

Product	Rate	APY
Benefit Savings	4.00%	4.07%
Min Balance $0 Details Tier 1 $0.00 to $5,000.00; No interest will be paid on balances higher than $15,000.00. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 0.50% → 4.07% ▲ 3.57 pts · high 4.07% / low 0.50% Oct 3, 20264.07%▲ from 0.50% Sep 27, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Christmas Club	2.00%	2.02%
Min Deposit $1 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 0.25% → 2.02% ▲ 1.77 pts · high 2.02% / low 0.25% Sep 24, 20262.02%▲ from 0.25% Sep 19, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Vacation Club	2.00%	2.02%
Min Deposit $1 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 0.25% → 2.02% ▲ 1.77 pts · high 2.02% / low 0.25% Sep 24, 20262.02%▲ from 0.25% Sep 19, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
ESavings	0.50%	0.50%
Min Deposit $100 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 0.10% → 0.50% ▲ 0.40 pts · high 0.50% / low 0.10% Sep 24, 20260.50%▲ from 0.10% Sep 19, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Savings	0.25%	0.25%
Min Deposit $100 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Sep 24, 20260.25%▲ from 0.05% Sep 19, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Statement Savings	0.01%	0.01%
Details .01% if no other deposit account at LNB Community Bank Last Updated 10/07/2026 Rate History 2 changes since Sep 27, 2026 · 4.07% → 0.01% ▼ 4.06 pts · high 4.07% / low 0.01% Oct 7, 20260.01%▼ from 0.40% Oct 3, 20260.40%▼ from 4.07% Sep 27, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Balance $0 Details Tier 1 $0.00 to $15,000.00; Fees could reduce earnings on the account. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Account	0.40%	0.40%
Min Balance $15,000 Details Tier 2 $15,000.00 and above; Fees could reduce earnings on the account. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Super Money Market	0.15%	0.15%
Min Deposit $100,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Super Money Market	0.10%	0.10%
Min Deposit $50,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Super Money Market	0.05%	0.05%
Min Deposit $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Checking Rates

Product	Rate	APY
Bravo Checking	0.10%	0.10%
Min Deposit $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Bravo Checking	0.08%	0.08%
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Bravo Checking	0.05%	0.05%
Min Deposit $2,500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Business Checking Rates

Product	Rate	APY	View More
Business Smart Checking	3.50%	3.56%
Min Deposit $25 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Second Mortgage	7.12%	-	7.489%	5 Years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 1, 20267.49%▲ from 7.24% Sep 24, 20267.24%▲ from 6.99% Sep 15, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Home Equity Second Mortgage	7.875%	-	8.074%	10 Years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 7.57% → 8.07% ▲ 0.50 pts · high 8.07% / low 7.57% Oct 1, 20268.07%▲ from 7.82% Sep 24, 20267.82%▲ from 7.57% Sep 15, 20267.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Home Equity Second Mortgage	9.125%	-	9.274%	15 Years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.77% → 9.27% ▲ 0.50 pts · high 9.27% / low 8.77% Oct 1, 20269.27%▲ from 9.02% Sep 24, 20269.02%▲ from 8.77% Sep 15, 20268.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Automobile	4.70%	-	5.376%	Up to 36 Months
Details Year of Auto: 2024-New Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 5.38% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loan	5.90%	-	5.90%	72 month
Details Rates shown for top qualifying credit and 80% LTV. Loans are subject to credit approval, credit score and LTV. Closing costs may apply. A sample principal and interest payment on a 72 month $20,000 fixed rate loan amount with a 5.90% interest rate (6.256% APR), loan administration fee and 20% down is $330.56. Actual interest rate may vary based on credit history, LTV, loan type and auto pay. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 5.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	5.70%	-	6.122%	Up to 60 Months
Details Year of Auto: 2024 - New Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.12% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	5.55%	-	6.231%	Up to 36 Months
Details Year of Auto: 2023 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.23% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	5.90%	-	6.256%	Up to 72 Months
Details Year of Auto: 2024 - New Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.26% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	5.75%	-	6.432%	Up to 36 Months
Details Year of Auto: 2022 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.43% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	6.20%	-	6.588%	Up to 66 Months
Details Year of Auto: 2023 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	6.25%	-	6.675%	Up to 60 Months
Details Year of Auto: 2023 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.68% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	6.35%	-	6.774%	Up to 60 Months
Details Year of Auto: 2020 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.77% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	6.50%	-	6.89%	Up to 66 Months
Details Year of Auto: 2022 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Automobile	8.75%	-	9.356%	Up to 42 Months
Details Year of Auto: 2019 and Older Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 9.36% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

LNB Community Bank Other Rates

Product	Rate	Points	APY/APR	Term
Second Mortgage Loan	9.125%	-	9.274%	180 month
Details Rates shown for top qualifying credit, 80% CLTV, owner occupancy second mortgages. Loans are subject to credit approval, credit score and LTV. Closing costs apply. A sample principal and interest payment on a 180 month $50,000 fixed rate loan amount with a 9.125% interest rate (9.274% APR), closing costs and 80% CLTV is $510.86. Actual interest rate may vary based on credit history, LTV and loan type. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 9.02% → 9.27% ▲ 0.25 pts · high 9.27% / low 9.02% Oct 1, 20269.27%▲ from 9.02% Sep 27, 20269.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Earn Rate	3.50%	-	3.56%
Min Balance $0 Details on balances up to $50,000.00. If requirements are not meet for the account, Earn Rate 1.50% APY 1.51% on any balance. Last Updated 10/07/2026 Rate History 2 changes since Sep 19, 2026 · 3.56% → 3.56% ▼ 0.00 pts · high 3.56% / low 1.51% Oct 7, 20263.56%▲ from 1.51% Sep 27, 20261.51%▼ from 3.56% Sep 19, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Earn Rate	1.50%	-	1.51%
Min Balance $50,000 Details on any balances over $50,000.00. If requirements are not meet for the account, Earn Rate 1.50% APY 1.51% on any balance. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Now	0.02%	-	0.02%
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart Cents	4.00%	-	4.07%
Min Deposit $25 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Super Now	0.04%	-	0.04%
Min Deposit $2,500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Super Now	0.10%	-	0.10%
Min Deposit $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

LNB Community Bank’s Texas Ratio stayed near 2.28% in Q3 2023 to 1.88% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$181M	1.88%	5.0	A+
March 31, 2026	$185M	1.97%	5.0	A+
December 31, 2025	$187M	2.05%	5.0	A+
September 30, 2025	$165M	0.61%	5.0	A+
June 30, 2025	$180M	0.58%	5.0	A+
March 31, 2025	$158M	0.93%	5.0	A+
December 31, 2024	$161M	1.01%	5.0	A+
September 30, 2024	$156M	1.00%	5.0	A+
June 30, 2024	$173M	1.28%	5.0	A+
March 31, 2024	$158M	1.10%	5.0	A+
December 31, 2023	$167M	1.20%	5.0	A+
September 30, 2023	$154M	2.28%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for LNB Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather LNB Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with LNB Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name LNB Community Bank

Bank Holding Company LNB COMMUNITY BCORP

Address 215 N Main St, Lynnville, IN 47619 · Warrick

Website https://www.lnbbanking.com

FDIC Certificate # 4398

Established 19070901

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.88%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6401%

Return on Equity (ROE) 18.0200%

Non-Performing Loans (NPL) 0.18%

Total Assets $180,959,000

Total Deposits $161,284,000

Equity Capital $17,129,000

Net Income $1,512,000

Headquarters Lynnville

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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Frequently Asked Questions About LNB Community Bank

How many branches does LNB Community Bank operate?

LNB Community Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, LNB Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, LNB Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does LNB Community Bank offer online and mobile banking?

Most modern institutions like LNB Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lnbbanking.com.