LCNB National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.3% to $81.8M. LCNB National Bank ranks 73rd of 84 Ohio banks on CET1 ratio, in the lower half at 11.62% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. LCNB National Bank sits 1.86 points lower, at 11.62% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.62% |
| Tier 1 risk-based capital ratio | 11.62% |
| Total risk-based capital ratio | 12.40% |
| Tier 1 leverage ratio | 9.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $200.5M |
| Tier 1 capital | $200.5M |
| Total risk-based capital | $214.0M |
| Total equity capital | $285.6M |
| Risk-weighted assets | $1.73B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.87% |
| Tangible equity to tangible assets | 8.89% |
| Equity capital to average assets | 12.68% |
| Internal capital growth rate | 5.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.6M |
| Common stock surplus | $202.9M |
| Retained earnings | $81.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.72% | 11.72% | 12.25% | 9.32% | $1.55B |
| Q4 2023 | 10.17% | 10.17% | 10.75% | 8.05% | $1.77B |
| Q1 2024 | 10.34% | 10.34% | 10.94% | 8.08% | $1.75B |
| Q2 2024 | 9.45% | 9.45% | 10.06% | 7.45% | $1.82B |
| Q3 2024 | 9.81% | 9.81% | 10.46% | 7.74% | $1.80B |
| Q4 2024 | 9.94% | 9.94% | 10.60% | 7.94% | $1.80B |
| Q1 2025 | 9.98% | 9.98% | 10.66% | 8.07% | $1.79B |
| Q2 2025 | 10.21% | 10.21% | 10.88% | 8.32% | $1.78B |
| Q3 2025 | 10.94% | 10.94% | 11.65% | 8.53% | $1.71B |
| Q4 2025 | 11.02% | 11.02% | 11.81% | 8.94% | $1.73B |
| Q1 2026 | 11.28% | 11.28% | 12.04% | 8.95% | $1.72B |
| Q2 2026 | 11.62% | 11.62% | 12.40% | 9.30% | $1.73B |
LCNB National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock LCNB National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full LCNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6623) · FFIEC NIC profile (RSSD 785923)