LCNB National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 4.00%, the biggest move on this page. Within Ohio, LCNB National Bank is 52nd of 156 on net interest margin, 4.00% as of Q2 2026, above the middle of the field. LCNB National Bank reported 4.00% on net interest margin for Q2 2026, 0.29 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 5.70% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 4.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.3M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $5.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.34% | 1.12% | 3.04% | 4.93% | 1.81% |
| Q4 2023 | 4.43% | 1.38% | 2.83% | 4.88% | 1.80% |
| Q1 2024 | 4.74% | 1.79% | 2.70% | 5.27% | 1.79% |
| Q2 2024 | 4.92% | 1.83% | 2.81% | 5.41% | 1.75% |
| Q3 2024 | 4.99% | 1.85% | 2.86% | 5.50% | 1.90% |
| Q4 2024 | 5.14% | 1.68% | 3.22% | 5.62% | 1.95% |
| Q1 2025 | 4.92% | 1.50% | 3.19% | 5.39% | 1.98% |
| Q2 2025 | 5.06% | 1.39% | 3.45% | 5.55% | 1.99% |
| Q3 2025 | 5.17% | 1.36% | 3.60% | 5.66% | 2.04% |
| Q4 2025 | 5.08% | 1.18% | 3.72% | 5.52% | 2.13% |
| Q1 2026 | 5.06% | 1.11% | 3.79% | 5.48% | 2.17% |
| Q2 2026 | 5.27% | 1.10% | 4.00% | 5.70% | 2.23% |
LCNB National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock LCNB National Bank, freeSource: Call Report Schedules RI and RC-K, 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)