LCNB National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
LCNB National Bank, based in Lebanon, Ohio, reported $2.2 billion in assets at June 30, 2026, down 3.6% from a year earlier. It pays an average of 1.10% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Net income for the quarter rose 26% from a year earlier, to $8.0 million. Over the same year, loans shrank 0.9% and deposits shrank 5.3%. Where it has less room is capital: it funds 9.30% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, LCNB National Bank reported a CET1 capital ratio of 11.62%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.90%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2 N Broadway St, Lebanon, OH 45036
- County
- Warren
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 10, 1877
- Former names
- The Lebanon-Citizens National Bank (1934-2007)
- Offices
- 35 domestic
- Employees (FTE)
- 343
- Domestic deposits
- $1.82B
- Allowance for credit losses
- $13.6M
- Net charge-offs (YTD)
- $2.7M
- Average total assets
- $2.25B
- Average total loans
- $1.71B
- Average interest-bearing deposits
- $1.73B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6623
- Fed RSSD
- 785923
- SEC CIK
- 1074902 → filed by LCNB CORP.
- Website
- www.lcnb.com →
- Parent Holding Company
- LCNB CORP. (RSSD 2759900) · LCNB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Eric J Meilstrup | CEO | CEO |
| Robert C Haines Ii | PRES | President |
| Wallace Andrew Michael | CFO | Chief Financial Officer |
| Ruppert Bradley Austin | CIO | Chief Investment Officer |
| Patricia L. Walter | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full LCNB National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock LCNB National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
LCNB National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.62% | 1.42% | 0.34% | 2.90% | 4.00% |
| Q1 2026 | 11.28% | 0.89% | 0.19% | 1.66% | 3.79% |
| Q4 2025 | 11.02% | 1.10% | 0.14% | 1.36% | 3.72% |
| Q3 2025 | 10.94% | 1.26% | 0.12% | 1.28% | 3.60% |
| Q2 2025 | 10.21% | 1.11% | 0.28% | 2.90% | 3.45% |
| Q1 2025 | 9.98% | 0.85% | 0.28% | 3.04% | 3.19% |
| Q4 2024 | 9.94% | 1.09% | 0.27% | 2.66% | 3.22% |
| Q3 2024 | 9.81% | 0.78% | 0.19% | 1.90% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 35 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| LCNB National Bank (main office) | Lebanon , OH | 45036 | $294.9M |
| Brookville Nb | Brookville , OH | 45309 | $123.5M |
| Columbus Avenue Branch | Lebanon , OH | 45036 | $99.7M |
| Eaton National Bank Branch | Eaton , OH | 45320 | $98.0M |
| Bridgetown Branch | Cincinnati , OH | 45248 | $85.4M |
| South Lebanon Branch | South Lebanon , OH | 45065 | $73.6M |
| Chillicothe Branch | Chillicothe , OH | 45601 | $69.1M |
| Waynesville Branch | Waynesville , OH | 45068 | $64.7M |
| Goshen Branch | Goshen , OH | 45122 | $54.9M |
| The Mason Branch | Mason , OH | 45040 | $53.7M |
| Worthington Branch | Worthington , OH | 43085 | $49.4M |
| Maineville Branch | Maineville , OH | 45039 | $45.2M |
| Frankfort Branch | Frankfort , OH | 45628 | $43.9M |
| Fairfield Branch | Fairfield , OH | 45014 | $41.9M |
| Hamilton Branch | Hamilton , OH | 45013 | $41.7M |
| Anderson Branch | Cincinnati , OH | 45255 | $41.3M |
| Oxford Branch | Oxford , OH | 45056 | $40.5M |
| Wilmington Branch | Wilmington , OH | 45177 | $40.5M |
| Delhi Branch | Cincinnati , OH | 45238 | $39.6M |
| Western Branch | Chillicothe , OH | 45601 | $37.0M |
| Loveland Branch | Loveland , OH | 45140 | $36.7M |
| RoachesterMorrow Branch | Roachester , OH | 45152 | $36.7M |
| Otterbein Branch | Lebanon , OH | 45036 | $35.2M |
| SpringboroFranklin Branch | Springboro , OH | 45066 | $33.8M |
| Lewisburg Branch | Lewisburg , OH | 45338 | $33.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 13, 2024 | Structure Change | Acquired EAGLE.bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2023 | Structure Change | Acquired Cincinnati Federal Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2018 | Structure Change | Acquired Columbus First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2015 | Structure Change | Acquired Brookville National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 2014 | Structure Change | Acquired Eaton National Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 12, 2013 | Structure Change | Acquired The Citizens National Bank of Chillicothe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 11, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 21, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 21, 2007 | Structure Change | Acquired The Sycamore National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for LCNB National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OH, rank 25 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 648 applications, 523 loans originated, $176.9M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $5.8M approved, $823K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about LCNB National Bank
What are LCNB National Bank's total assets?
As of the Q2 2026 filing, LCNB National Bank reported total assets of $2.22 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is LCNB National Bank headquartered?
LCNB National Bank is headquartered in Lebanon, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was LCNB National Bank founded?
LCNB National Bank was established in 1877, per the FDIC institution directory.
Is LCNB National Bank FDIC-insured?
Yes. LCNB National Bank is an FDIC-insured commercial bank (FDIC Certificate #6623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates LCNB National Bank?
LCNB National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is LCNB National Bank's CET1 capital ratio?
LCNB National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.62% in its Q2 2026 call report, above regulatory requirements.
How many branches does LCNB National Bank operate?
LCNB National Bank operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is LCNB National Bank's Texas Ratio?
LCNB National Bank's Texas Ratio is 2.90% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was LCNB National Bank previously called?
The charter now named LCNB National Bank has also operated as The Lebanon-Citizens National Bank (1934-2007), per FDIC structure-change records.
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