B
LCNB National Bank
Lebanon,  OH
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings LCNB National Bank
Lebanon, OH
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Rating B
Asset Quality Index 5.90
Capitalization Index 7.50
Liquidity Index 3.30
Profitability Index 5.10
Stability Index 9.70
Company Info LCNB National Bank
Lebanon, OH
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FDIC Number 6623
Phone Number (513) 932-1414
Website www.lcnb.com
Asset Quality LCNB National Bank
Lebanon, OH
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1-Year Asset Growth -3.64%
5-Year Asset Growth 5.67%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.32%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.98%
Non-Performing Loans to Loans 0.40%
Balance Sheet LCNB National Bank
Lebanon, OH
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Total Assets 2.22B
Total Deposits 1.82B
Capital and Reserves LCNB National Bank
Lebanon, OH
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Capital 285.57M
Leverage Ratio 9.30
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 12.40
Liquidity LCNB National Bank
Lebanon, OH
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Hot Money Ratio 10.44%
Liquidity Ratio 7.30%
Profitability LCNB National Bank
Lebanon, OH
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5-Year Return on Average Assets 0.97%
Net Income 12.99M
Net Interest Spread 3.89%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 62.77%
Return on Assets 1.15%
Return on Equity 9.22%