LCNB National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.42 percentage points higher than in Q1 2026, at 97.28%. LCNB National Bank ranks 39th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 93.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. LCNB National Bank sits 5.39 points higher, at 93.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $257.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $95.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.59% |
| Net loans and leases to deposits | 92.84% |
| Loans and leases to core deposits | 97.28% |
| Core deposits to total deposits | 96.21% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.17% | 97.84% | $0 | $130.0M |
| Q4 2023 | 94.35% | 97.58% | $0 | $198.4M |
| Q1 2024 | 93.17% | 96.53% | $0 | $161.0M |
| Q2 2024 | 91.58% | 94.71% | $0 | $151.0M |
| Q3 2024 | 91.48% | 94.52% | $0 | $145.0M |
| Q4 2024 | 91.96% | 94.43% | $0 | $145.0M |
| Q1 2025 | 89.67% | 94.84% | $0 | $95.0M |
| Q2 2025 | 89.50% | 95.26% | $0 | $95.0M |
| Q3 2025 | 90.97% | 95.83% | $0 | $95.0M |
| Q4 2025 | 92.67% | 96.52% | $0 | $95.0M |
| Q1 2026 | 92.48% | 96.48% | $0 | $95.0M |
| Q2 2026 | 93.59% | 96.21% | $0 | $95.0M |
LCNB National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock LCNB National Bank, freeSource: Call Report Schedules RC and RC-M, 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)