LCNB National Bank
Lebanon, OH · Cert 6623 · Peer group: banks $1B-$10B in assets (n=322-328) · LCNB Corp.
National charter · OCC · 35 branches
Q2 2026
$2.2BAssets
$1.7BLoans
$1.8BDeposits
$285.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 83% of banks $1B-$10B in assets (rank 56 of 328).
- Widest gap: net charge-offs / loans trails 83% of banks $1B-$10B in assets (rank 268 of 322).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 183 of 328
Net Interest Margin
3.61%
Rank 126 of 328
Efficiency Ratio
62.77%
Rank 201 of 328
Equity / Assets
12.87%
Rank 56 of 328
Non-interest income vs. expense
Unfavorable gap of $40.7M · efficiency ratio beats 39% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.91% | 1.22% | 1.52% | Beats 44% | 183 / 328 | | |
| Return on Equity | 9.10% | 8.43% | 11.45% | 14.43% | Beats 30% | 231 / 328 | | |
| Net Interest Margin | 3.61% | 3.03% | 3.45% | 3.83% | Beats 62% | 126 / 328 | | |
| Efficiency Ratio | 62.77% | 51.61% | 59.56% | 67.53% | Beats 39% | 201 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.24% | 0.51% | 1.03% | Beats 65% | 113 / 322 | | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.03% | 0.10% | Beats 17% | 268 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 11.62% | 11.75% | 13.15% | 15.47% | Beats 24% | 249 / 328 | | |
| Total Risk-Based Capital Ratio | 12.40% | 12.63% | 14.15% | 16.46% | Beats 23% | 253 / 328 | | |
| Equity / Assets | 12.87% | 9.15% | 10.33% | 12.01% | Beats 83% | 56 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.59% | 76.63% | 87.92% | 95.36% | 70th pctl | 97 / 323 | | |
| Loans / Assets | 76.74% | 65.18% | 74.15% | 79.98% | 62nd pctl | 125 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |