LCNB National Bank
Total assets
$2.22B
▼ -3.6% YoY
Deposits
$1.82B
▼ -5.3% YoY
Loans
$1.69B
▼ -1.0% YoY
Offices
35
LCNB CORP
ROA (annualized)
1.16%
peers 1.26%
ROE (annualized)
9.22%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | LCNB National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +5.5% | -9.1 pts |
| Deposit growth (YoY) | -5.3% | +5.1% | -10.3 pts |
| Loan growth (YoY) | -1.0% | +5.9% | -6.9 pts |
| ROA | 1.16% | 1.26% | -0.1 pts |
| ROE | 9.2% | 12.2% | -2.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
Profile
- Established
- 1877
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- LCNB CORP
- Specialization
- Commercial Lending Specialization
- Address
- 2 N Broadway St, Lebanon, OH, 45036
- County
- Warren
- Metro area
- Cincinnati, OH-KY-IN
- Offices
- 35
- FDIC cert #
- 6623
- RSSD ID
- 785923
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.22B | $1.82B | $1.69B | $285.6M | $13.0M | 1.16% | 4.02% | 0.26% |
| Q1 2026 | $2.23B | $1.84B | $1.69B | $281.3M | $5.0M | 0.90% | 3.91% | 0.15% |
| Q4 2025 | $2.24B | $1.84B | $1.69B | $278.4M | $24.6M | 1.08% | 3.58% | 0.12% |
| Q3 2025 | $2.24B | $1.85B | $1.67B | $274.2M | $18.5M | 1.08% | 3.51% | 0.11% |
| Q2 2025 | $2.30B | $1.92B | $1.71B | $268.2M | $11.2M | 0.98% | 3.40% | 0.23% |
| Q1 2025 | $2.30B | $1.92B | $1.71B | $264.1M | $4.9M | 0.85% | 3.27% | 0.24% |
| Q4 2024 | $2.30B | $1.88B | $1.72B | $259.8M | $15.0M | 0.65% | 3.03% | 0.20% |
| Q3 2024 | $2.34B | $1.92B | $1.74B | $259.9M | $8.6M | 0.49% | 2.92% | 0.14% |
Loan mix (Q2 2026): real estate $1.58B · commercial $96.4M · consumer $15.0M · securities $233.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | LCNB National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.70% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 59.0% | 60th | |
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% |
Balance sheet
| Ratio | LCNB National 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% |
Capital
| Ratio | LCNB National 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% |
Credit quality
| Ratio | LCNB National 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% |
Franchise
| Ratio | LCNB National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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