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LCNB National Bank

$1B-$10B Specialty: Commercial OH FDIC cert 6623

Designations: ✓ Community bank

Lebanon, OH

35 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits -5.3% year over year ($1.8B on the books).
  • Delinquency rate 0.35%.
  • Return on assets 1.16%.
  • Efficiency ratio 61.87% vs a 59.73% peer average.
  • Loan-to-deposit ratio 92.84% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

LCNB National Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.15% above tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 6.4% in tier
  • - Capital Constraint: Bottom 15.6% in tier
  • - Credit Quality Pressure: Bottom 20.5% in tier
  • - ROA 0.23% below tier average
  • - Efficiency Ratio 2.14% above tier average
Get updates when LCNB National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $2.2B
-3.6% YoY -0.6% QoQ
-$573.9M $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $1.7B
-1.0% YoY +0.1% QoQ
-$273.7M $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $1.8B
-5.3% YoY -1.1% QoQ
-$499.1M $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 1.16%
+19.2% YoY +29.8% QoQ
-0.23% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.02%
+18.1% YoY +2.9% QoQ
+0.15% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 61.87%
-8.6% YoY -3.4% QoQ
+2.14% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.35%
+24.1% YoY +78.4% QoQ
-0.52% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 92.84%
+4.5% YoY +1.2% QoQ
+7.80% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 26.79%
+9.4% YoY +3.6% QoQ
+5.51% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.26%
+14.8% YoY +79.8% QoQ
-0.41% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 11.62%
+13.8% YoY +3.0% QoQ
-3.22% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.49%
+3.5% YoY +113.5% QoQ
-0.03% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 26.8%
+2.3pp YoY
+0.9pp QoQ
 +5.4pp 21.4% 18.8% 22.2% 76%
Brokered Deposits n/a n/a 9.5% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 5.7%
-0.8pp YoY
-0.3pp QoQ
 -8.3pp 14.0% 10.2% 12.5% 22%
CRE 62.4%
-0.5pp YoY
-0.1pp QoQ
 +12.3pp 50.0% 34.2% 41.4% 79%
1-4 Family 28.8%
+1.5pp YoY
+0.3pp QoQ
 +2.4pp 26.4% 50.0% 31.3% 64%
Consumer 0.9%
-0.2pp YoY
-0.1pp QoQ
 -3.8pp 4.7% 4.7% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 11.6%
+1.4pp YoY
+0.3pp QoQ
 -4.0pp 15.6% 22.1% 19.7% 17%
Leverage Ratio 9.3%
+1.0pp YoY
+0.3pp QoQ
 -2.0pp 11.3% 12.9% 12.6% 18%
Total Capital Ratio 12.4%
+1.5pp YoY
+0.4pp QoQ
 -4.3pp 16.7% 23.2% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 343
-1 (-0.3%) YoY
+2 (+0.6%) QoQ
 +29 313 2,433 482 72%
Assets per Employee ($) $6.5M
-3.4% YoY
-1.2% QoQ
 -$4.0M $10.5M $7.6M $8.8M 17%
Branch Count 35
0 YoY
0 QoQ
 +15 20 81 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 25%
Nonaccrual 0.3%
+0.1pp YoY
+0.2pp QoQ
 -0.5pp 0.8% 0.6% 1.0% 34%
Allowance Coverage 2.32x
-8.5% YoY
-43.0% QoQ
 -16.39x 18.71x 18.95x 20.23x 54%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
-0.3pp QoQ
 +0.1pp 0.3% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 9.2%
+0.7pp YoY
+2.1pp QoQ
 -3.4pp 12.6% 9.7% 11.6% 27%
Cost of Funds (YTD) 1.3%
-0.4pp YoY
0.0pp QoQ
 -0.6pp 1.9% 1.7% 1.7% 14%
Net Income ($, YTD) $13.0M
+15.5% YoY
— QoQ
 -$6.3M $19.2M $259.3M $40.4M 52%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#24 of 361 • Bottom 6.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.84%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#6 of 32 • Bottom 15.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 92.84%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.62%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#102 of 492 • Bottom 20.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.35%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

177
Non-Interest Income / Assets
revenue_mix
Value: 0.49%
Peer Median: 0.53%
#177 of 885 Top 19.9% in $1B-$10B
209
Non-Interest-Bearing Deposit Share
funding
Value: 26.79%
Peer Median: 21.27%
#209 of 885 Top 23.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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