LCNB NATIONAL BANK

LEBANON, OH | Large | Est. May 10, 1877, midnight | FDIC #6623 | RSSD #785923 | OCC
Latest Report: 2025-12-31

LCNB NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in LEBANON, OH, established in May 10, 1877, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.8B. Profitability stands at 1.10% ROA and 8.91% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 11.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.73%. FDIC Certificate #6623.

Assets

$2.2B

Deposits

$1.8B

Loans

$1.7B

Equity

$278M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 8.91%
Net Interest Margin (NIM) 3.57%
Yield on Assets 4.88%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.73%
NPA Ratio 0.10%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 11.02%
Tier 1 Capital 11.02%
Total Capital Ratio 11.81%
Leverage Ratio 8.94%
Loan-to-Deposit 92.67%

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