Bank call report · Lebanon, OH
LCNB National Bank Call Report
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LCNB National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 453 reported line items, schedule by schedule (688 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 785923 |
| FDIC certificate number | 6623 |
| Total assets | $2.22B |
Official Q2 2026 call report PDF (FFIEC) →
LCNB National Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (30 items)
About Schedule RC · LCNB National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.22B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.22B |
| Total Liabilities and Minority Interest | RCON2948 | $1.93B |
| Total Deposits | RCON2200 | $1.82B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.70B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.69B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.33B |
| Deposits: Noninterest-bearing | RCON6631 | $487.5M |
| Total Equity Capital | RCON3210 | $285.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $285.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $215.8M |
| Surplus | RCON3839 | $202.9M |
| Other Assets | RCON2160 | $115.0M |
| Intangible Assets | RCON2143 | $98.8M |
| Other Borrowed Money | RCON3190 | $95.0M |
| Goodwill | RCON3163 | $90.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $81.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $45.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $19.4M |
| Other Liabilities, Total | RCON2930 | $19.0M |
| Held-to-maturity Securities, Total | RCON1754 | $15.8M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $15.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $13.6M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $13.4M |
| Common Stock | RCON3230 | $10.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.8M |
| Interest-bearing Balances | RCON0071 | $4.4M |
| Loans and Leases Held for Sale | RCON5369 | $3.5M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $1.7M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $5K |
Schedule RI: Income Statement (45 items)
About Schedule RI · LCNB National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $51.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $47.7M |
| Net Interest Income | RIAD4074 | $39.0M |
| Total Noninterest Expense | RIAD4093 | $31.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $29.8M |
| Salaries and Employee Benefits | RIAD4135 | $18.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $16.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $16.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $14.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $13.0M |
| Net Income (Loss) | RIAD4340 | $13.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $13.0M |
| Total Interest Expense | RIAD4073 | $12.7M |
| Total Noninterest Income | RIAD4079 | $11.0M |
| Other Noninterest Expense | RIAD4092 | $9.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $4.3M |
| Other Noninterest Income | RIADB497 | $4.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.7M |
| Applicable Income Taxes | RIAD4302 | $3.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.9M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.6M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.6M |
| Other Interest Expense | RIADGW44 | $2.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.3M |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $1.2M |
| Interest on Other Securities | RIAD4060 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.1M |
| Other Interest Income | RIAD4518 | $1.0M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $842K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $825K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $793K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $620K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $495K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $487K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $487K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $453K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $290K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $186K |
| Net Servicing Fees | RIADB492 | $55K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$14K |
| Noninterest income: Income from insurance activities | RIADHT74 | $10K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $5K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 343 |
Schedule RC-B: Securities (35 items)
About Schedule RC-B · LCNB National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $7.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $6.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $228.1M |
| Pledged Securities | RCON0416 | $116.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $88.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $59.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $57.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $55.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $53.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $51.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $46.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $36.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $36.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $35.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $34.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $32.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $23.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $21.4M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $15.8M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $14.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $14.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $13.3M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $12.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $10.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $8.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $5.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $4.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $3.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $3.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $625K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $625K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $625K |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $625K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $143K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · LCNB National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.70B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $504.0M |
| Pledged Loans and Leases | RCONG378 | $421.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $411.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $324.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $294.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $264.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $250.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $228.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $227.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $199.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $180.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $131.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $110.4M |
| Commercial and Industrial Loans | RCON1766 | $96.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $94.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $93.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $67.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $55.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $50.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $35.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $28.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $19.8M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $16.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.0M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $10.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $6.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $508K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $451K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $398K |
| Other Loans | RCONJ464 | $174K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $119K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $113K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $54K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $122.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $20.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $13.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $6.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $5.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $979K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $822K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $134K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 310 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 227 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 107 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 76 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 70 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 27 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 23 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 17 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 14 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · LCNB National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.55B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.47B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $943.6M |
| Total Transaction Accounts | RCON2215 | $272.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $250.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $244.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $231.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $225.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $166.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $163.8M |
| Total reciprocal deposits | RCONJH83 | $123.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $120.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $78.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $75.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $69.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $67.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $61.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $40.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $37.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $37.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $27.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $24.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $7.2M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $621K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $51.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $30.8M |
| Other Assets | RCON2168 | $15.4M |
| Accrued Interest Receivable | RCONB556 | $7.8M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $6.2M |
| Prepaid Expenses | RCON2166 | $5.0M |
| Net Deferred Tax Assets | RCON2148 | $5.0M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $4.5M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $13.0M |
| Operating lease liabilities | RCONLB56 | $6.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $4.9M |
| Accounts Payable | RCON3066 | $4.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $822K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $201K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · LCNB National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.25B |
| Quarterly Average of Total Loans | RCON3360 | $1.71B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.22B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.10B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $486.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $284.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $164.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $121.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $95.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $88.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $67.3M |
| Mortgage-backed Securities | RCONB559 | $66.7M |
| All Other Securities | RCONB560 | $66.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $15.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $15.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $8.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · LCNB National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $156.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $110.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $37.6M |
| Performance Standby Letters of Credit | RCON3821 | $5K |
Schedule RC-M: Memoranda (12 items)
About Schedule RC-M · LCNB National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $50.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $20.0M |
| All other intangible assets | RCONJF76 | $6.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $4.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.1M |
| Mortgage Servicing Assets | RCON3164 | $2.0M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $1.5M |
| Outstanding balance of PPP loans | RCONLG27 | $3K |
| Number of outstanding PPP Loans | RCONLG26 | 2 |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (26 items)
About Schedule RC-N · LCNB National Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5.8M |
| Additions to Nonaccrual Assets | RCONC410 | $5.4M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $2.8M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $2.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $2.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $554K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $539K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $214K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $195K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $100K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $100K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $97K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $75K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $66K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $53K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $19K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $18K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $18K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $16K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Past Due 90 Days or More and Still Accruing | RCONK127 | $7K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 90 Days or More and Still Accruing | RCONHK27 | $7K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $6K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $4K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $3K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · LCNB National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.25B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.82B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.09B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $665.4M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $223.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $200.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $62.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $5.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 72,092 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,533 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 983 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 14 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · LCNB National Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.73B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (27 items)
About Schedule RC-R, Part I · LCNB National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.25B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.16B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.73B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $285.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $214.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $213.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $200.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $200.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $200.5M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $94.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $88.0M |
| Retained Earnings | RCOAKW00 | $81.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $13.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $13.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $13.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$9.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $5.2M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $1.7M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$7K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | -$7K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.124 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1162 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1162 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.093 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.044 |
Schedule RC-R, Part II: Risk-Weighted Assets (72 items)
About Schedule RC-R, Part II · LCNB National Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.73B |
| Total Risk-weighted Assets | RCONG641 | $1.73B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.44B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.44B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.40B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.17B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.17B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $524.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $464.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $464.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $448.8M |
| Total All Other Assets | RCOND981 | $272.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $232.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $217.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $191.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $191.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $151.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $143.4M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $94.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $90.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $78.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $78.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $76.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $68.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $65.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $60.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $42.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $38.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $23.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $21.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $21.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $20.7M |
| Total Held-to-maturity Securities | RCOND961 | $15.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $15.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $13.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $12.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$12.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $12.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $11.7M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $8.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $8.3M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $7.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $6.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $5.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $5.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $5.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $5.2M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $5.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.5M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $4.5M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.5M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $3.5M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $3.5M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $2.8M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.0M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $610K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $318K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $318K |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $315K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $290K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $51K |
| Risk-weighted Assets by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS574 | $15K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$11K |
| Allocation by Risk Weight Category 300%, All Other Assets | RCONH188 | $5K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $5K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS563 | $5K |
| Total Balance Sheet Assets - 300 Pct Risk Weight Category | RCONS505 | $5K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $3K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $3K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $3K |
Schedule RC-T: Fiduciary and Related Services (34 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $703.7M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $470.8M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $444.8M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $429.8M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $98.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $68.3M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $68.3M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $60.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $11.9M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $11.9M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $5.8M |
| Income from Fiduciary Activities | RIAD4070 | $4.0M |
| Personal Trust and Agency Accounts | RIADB904 | $3.1M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $2.1M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $1.1M |
| Other Retirement Accounts | RIADB907 | $370K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $269K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $225K |
| Corporate Trust and Agency Accounts - Managed Assets | RCONB884 | $50K |
| Employee Benefit-defined Contribution | RIADB905 | $7K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 586 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 332 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 277 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 241 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 129 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 129 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 66 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 56 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 28 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 28 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 7 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 2 |
| Corporate Trust and Agency Accounts - Number of Managed Accounts | RCONC001 | 1 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $285.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $278.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $278.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $6.2M |
| Other Comprehensive Income | RIADB511 | $377K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · LCNB National Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $2.8M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $2.6M |
| Charge-offs on Automobile Loans | RIADK129 | $91K |
| Charge-offs on All Other Loans | RIAD4644 | $82K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $73K |
| Recoveries on All Other Loans | RIAD4628 | $34K |
| Recoveries on Automobile Loans | RIADK133 | $23K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $16K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · LCNB National Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $13.7M |
| Allowance for Loan and Lease Losses | RIAD3123 | $13.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $2.8M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$16K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $11K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $11K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.70B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.02B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $483.3M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $112.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $71.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $15.0M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $13.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $6.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $2.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $548K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $160K |
| Held to Maturity Securities, Securities issued by states and poilitical subdivisions in the US | RCONJJ20 | $11K |
| Held to Maturity Securities, Total | RCONJJ25 | $11K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $273.4M |
LCNB National Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the LCNB National Bank call report?
The LCNB National Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does LCNB National Bank file?
LCNB National Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the LCNB National Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: LCNB National Bank has Federal Reserve RSSD ID 785923 and FDIC certificate number 6623. Either one finds its filings on the FFIEC Central Data Repository.
How often does LCNB National Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
LCNB National Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 6623) · FFIEC NIC profile (RSSD 785923)