LCNB National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 116.15 percentage points in Q2 2026, from 316.65% to 200.50%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, LCNB National Bank is 36th of 156 on return on assets, 1.42% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. LCNB National Bank sits 0.14 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.62% |
| Tier 1 risk-based capital ratio | 11.62% |
| Total risk-based capital ratio | 12.40% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 12.87% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.40% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | 200.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 11.25% |
| Net interest margin | 4.00% |
| Efficiency ratio | 59.73% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.59% |
| Core deposits to total deposits | 96.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.00% |
| Securities to assets | 10.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.72% | 11.72% | 12.25% | 9.32% | 0.94% |
| Q4 2023 | 10.17% | 10.17% | 10.75% | 8.05% | 0.12% |
| Q1 2024 | 10.34% | 10.34% | 10.94% | 8.08% | 0.41% |
| Q2 2024 | 9.45% | 9.45% | 10.06% | 7.45% | 0.25% |
| Q3 2024 | 9.81% | 9.81% | 10.46% | 7.74% | 0.78% |
| Q4 2024 | 9.94% | 9.94% | 10.60% | 7.94% | 1.09% |
| Q1 2025 | 9.98% | 9.98% | 10.66% | 8.07% | 0.85% |
| Q2 2025 | 10.21% | 10.21% | 10.88% | 8.32% | 1.11% |
| Q3 2025 | 10.94% | 10.94% | 11.65% | 8.53% | 1.26% |
| Q4 2025 | 11.02% | 11.02% | 11.81% | 8.94% | 1.10% |
| Q1 2026 | 11.28% | 11.28% | 12.04% | 8.95% | 0.89% |
| Q2 2026 | 11.62% | 11.62% | 12.40% | 9.30% | 1.42% |
LCNB National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock LCNB National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)