BlastPoint's Banking Scorecard
LCNB National Bank
Designations: ✓ Community bank
Lebanon, OH
35 branches across OH
LCNB National Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42.3% in tier
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.0% in tier
- - Capital Thin: Bottom 8.1% in tier
- - Capital Constraint: Bottom 21.6% in tier
- - ROA 0.47% below tier average
- - Efficiency Ratio 2.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
-2.8% YoY
-0.1% QoQ
|
-$582.0M |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$1.7B
-1.4% YoY
-0.3% QoQ
|
-$277.1M |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$1.8B
-4.3% YoY
-0.2% QoQ
|
-$503.9M |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.90%
+5.3% YoY
-17.0% QoQ
|
-0.47% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.91%
+19.5% YoY
+9.3% QoQ
|
+0.09% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
64.05%
-9.0% YoY
-0.6% QoQ
|
+2.99% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.19%
-32.0% YoY
+41.8% QoQ
|
-0.69% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
91.76%
+3.0% YoY
-0.2% QoQ
|
+7.55% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
25.87%
+5.7% YoY
-1.3% QoQ
|
+4.58% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.15%
-37.7% YoY
+23.7% QoQ
|
-0.53% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
11.28%
+13.0% YoY
+2.3% QoQ
|
-3.88% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.23%
-2.2% YoY
-77.3% QoQ
|
-0.03% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.