Lebanon, OH · Cert 6623 · LCNB Corp.
National charter · OCC · 35 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.7% share · #11 of 54 inst. · $1.2B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.08% | 1.08% | 0.90% | 1.16% | +19 bps | |
| Return on Equity | 8.52% | 9.23% | 9.15% | 7.17% | 9.22% | +70 bps | |
| Net Interest Margin | 3.11% | 3.18% | 3.31% | 3.50% | 3.61% | +51 bps | |
| Efficiency Ratio | 67.68% | 65.46% | 64.42% | 64.05% | 61.87% | -581 bps | |
| Non-Interest Burden | 1.75% | 1.70% | 1.72% | 1.86% | 1.81% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.72% | -4.43% | -2.89% | -2.82% | -3.64% | -92 bps | |
| Loan Growth (YoY) | -3.47% | -4.09% | -1.16% | -1.31% | -0.93% | +254 bps | |
| Deposit Growth (YoY) | -1.22% | -3.54% | -1.92% | -4.31% | -5.26% | -404 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.12% | 0.14% | 0.19% | 0.34% | +7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.64% | 0.32% | +31 bps | |
| Allowance / Loans | 0.70% | 0.72% | 0.80% | 0.79% | 0.80% | +9 bps | |
| Allowance Coverage of NPLs | 2.5x | 6.2x | 5.9x | 4.1x | 2.3x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.32% | 8.53% | 8.94% | 8.95% | 9.30% | +98 bps | |
| Total Risk-Based Capital | 10.88% | 11.65% | 11.81% | 12.04% | 12.40% | +152 bps | |
| Equity / Assets | 11.65% | 12.25% | 12.44% | 12.59% | 12.87% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.50% | 90.97% | 92.67% | 92.48% | 93.59% | +409 bps | |
| Liquid Assets / Assets | 1.29% | 1.12% | 0.84% | 0.99% | 0.91% | -38 bps | |
| CRE / Total Capital | n/a | 559% | 556% | 543% | n/a | n/a | |