LCNB National Bank
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Data as of · sourced from FFIEC call reports. How we update
LCNB National Bank is an FDIC-insured commercial bank headquartered in Lebanon, OH, established in 1877 (FDIC certificate 6623), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.22B, down 3.6% from Q2 2025, the 17th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 11.62% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6623
- Headquarters
- Lebanon, OH
- Established
- 1877
- Total assets, Q2 2026
- $2.22B
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 11.62%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 042205708
- Latest call report
- Q2 2026, FFIEC 051 · LCNB National Bank call report
- Holding company
- LCNB CORP.
- Asset rank in state
- 17th of 154 in Ohio
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%. The figures come from its call report filed with the FFIEC.
LCNB National Bank ranks as the 17th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $2.22B, loans rose 0.1% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.6% of total loans, ahead of 1-4 family residential loans at 28.6%. Its 35 offices in the FDIC Summary of Deposits are in 25 cities in OH; its Lebanon 4 offices book 24% of its branch deposits. On its Q2 2026 call report, LCNB National Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 35 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
LCNB National Bank's total assets moved between a low of $1.98B (Q3 2023) and a high of $2.37B (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.22B total assets against $2.30B; $1.93B total liabilities against $2.03B.
$1.69B net loans and leases against $1.71B; $1.82B total deposits against $1.92B.
$233.3M securities against $272.4M; $23.8M cash and balances due against $45.6M.
$26.3M total interest income against $25.9M; $6.3M total interest expense against $8.2M.
$20.0M net interest income against $17.7M.
$5.8M total noninterest income against $5.6M; $15.6M total noninterest expense against $15.4M.
$276K provision for credit losses against $18K.
$8.0M net income against $6.3M.
1.42% return on assets against 1.11%; 4.00% net interest margin against 3.45%.
11.62% CET1 capital ratio against 10.21%; 9.30% tier 1 leverage ratio against 8.32%.
Inside the full LCNB National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 555 of 4,196, for total assets; its furthest is 918 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q3 2024) to 1.42% (Q2 2026) and its net interest margin ran from 2.86% (Q3 2024) to 4.00% (Q2 2026).
| 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
View all 35 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OH, rank 25 of 184 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is LCNB National Bank headquartered?
It is headquartered in Lebanon, OH, United States.
When was LCNB National Bank founded?
It was established in 1877, per the FDIC institution directory.
Is LCNB National Bank FDIC-insured?
Yes. It 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.
What is LCNB National Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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