LCNB National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 13.89 percentage points in Q2 2026, from 399.35% to 385.45%. It was the largest change from Q1 2026 among the key lines here. LCNB National Bank ranks 39th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 93.59% (Q2 2026). LCNB National Bank reported 93.59% on loan-to-deposit ratio for Q2 2026, 5.39 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.70B |
| Net loans and leases | $1.69B |
| Loans held for sale | $3.5M |
| Loans to total assets | 76.74% |
| Loan-to-deposit ratio | 93.59% |
| Net loans to equity capital | 5.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.99% |
| Multifamily (5+ residential) | 14.68% |
| Commercial and industrial | 5.66% |
| Consumer | 0.88% |
| Credit cards | 0.00% |
| Farm | 2.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 385.45% |
| Construction concentration (Tier 1 capital + allowance) | 33.27% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.70% |
| Interest income on loans | $24.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.46B | $1.62B | 43.94% | 8.63% | 1.86% |
| Q4 2023 | $1.72B | $1.83B | 41.07% | 6.99% | 1.49% |
| Q1 2024 | $1.73B | $1.86B | 41.30% | 7.06% | 1.39% |
| Q2 2024 | $1.78B | $1.94B | 41.58% | 7.07% | 1.29% |
| Q3 2024 | $1.75B | $1.92B | 41.39% | 6.79% | 1.26% |
| Q4 2024 | $1.73B | $1.88B | 41.62% | 6.87% | 1.19% |
| Q1 2025 | $1.72B | $1.92B | 41.92% | 6.54% | 1.11% |
| Q2 2025 | $1.72B | $1.92B | 42.01% | 6.44% | 1.07% |
| Q3 2025 | $1.68B | $1.85B | 42.76% | 6.42% | 1.06% |
| Q4 2025 | $1.71B | $1.84B | 42.43% | 6.10% | 0.99% |
| Q1 2026 | $1.70B | $1.84B | 41.94% | 5.91% | 0.93% |
| Q2 2026 | $1.70B | $1.82B | 42.99% | 5.66% | 0.88% |
LCNB National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock LCNB National Bank, freeSource: Call Report Schedule RC-C, 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)