LCNB National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks LCNB National Bank of Lebanon, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.42% | 1.44% | -0.02% | 61st above |
| ROAE | 11.25% | 12.51% | -1.26% | 43rd below |
| Net Interest Margin | 4.00% | 3.84% | +0.16% | 68th above |
| Efficiency Ratio | 59.73% | 58.87% | +0.86% | 46th below |
| PPNR / Avg Assets | 1.80% | 1.78% | +0.02% | 56th above |
| Yield on Earning Assets | 5.27% | 5.71% | -0.44% | 33rd below |
| Cost of Funds | 1.10% | 2.03% | -0.93% | 92nd top |
| Net Interest Spread | 3.52% | 3.18% | +0.34% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.96% | -0.56% | 65th above |
| NPA / Total Assets | 0.31% | 0.75% | -0.44% | 64th above |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 81st top |
| ACL / Total Loans | 0.80% | 1.25% | -0.45% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 200.50% | 699.39% | -498.89% | 55th above |
| Texas Ratio | 3.40% | 7.17% | -3.77% | 61st above |
| Provision / NCO | 96.41% | 815.48% | -719.07% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.62% | 17.41% | -5.79% | 18th bottom |
| Tier 1 Ratio | 11.62% | 17.45% | -5.83% | 18th bottom |
| Total Capital Ratio | 12.40% | 18.51% | -6.11% | 15th bottom |
| Leverage Ratio | 9.30% | 11.60% | -2.30% | 18th bottom |
| Equity / Assets | 12.87% | 11.33% | +1.54% | 84th top |
| TCE / Tangible Assets | 8.89% | 10.65% | -1.76% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.59% | 86.34% | +7.25% | 34th below |
| Core Deposit Ratio | 96.21% | 85.54% | +10.67% | 91st top |
| Uninsured Deposit Ratio | 12.27% | 32.73% | -20.46% | 94th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.28% | 5.45% | -1.17% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.64% | 10.47% | -14.11% | 5th bottom |
| Loan Growth (Y/Y) | -0.93% | 8.00% | -8.93% | 14th bottom |
| Deposit Growth (Y/Y) | -5.26% | 7.99% | -13.25% | 4th bottom |
See LCNB National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock LCNB National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full LCNB National Bank profile, how to read a UBPR, or how this data updates.