What is LCNB National Bank's financial health grade?

LCNB National Bank has a TFS Financial Health Grade of C- (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does LCNB National Bank have?

LCNB National Bank has 35 branch locations across the United States.

Is LCNB National Bank FDIC insured?

Yes, LCNB National Bank is FDIC insured (Certificate #6623).

What are the total assets of LCNB National Bank?

LCNB National Bank has total assets of $2.2B as reported in its most recent FDIC filing.

LCNB National Bank

BankLebanon, Ohio

www.lcnb.com

Total Assets

$2.2B

Total Deposits

$1.8B

Branches

Established

1877

TFS Health Grade

C-

70.0 / 100

Average financial health

How we grade

LCNB National Bank is a bank headquartered in Lebanon, Ohio, established in 1877. With $2.2B in total assets and 35 branch locations, it has a TFS Financial Health Grade of C- (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.94%(8%)

Total Capital Ratio

11.81%(10%)

Non-Performing Loan Ratio

0.14%

Profitability

Return on Assets (ROA)

1.08%(1%)

Return on Equity (ROE)

9.15%(10%)

Net Interest Margin

3.58%

Efficiency Ratio

64.42%(60%)

Lending & Liquidity

Total Loans

$1.7B

Loan-to-Deposit Ratio

91.93%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

-2.89%

Deposit Growth (YoY)

-1.92%

Net Income

$24.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
LCNB National BankHQ	2 N Broadway St	Lebanon	OH	11
LCNB National Bank	225 Upper Lewisburg Salem Rd	Brookville	OH	11
LCNB National Bank	9605 Dayton Lebanon Pike St Rt 48	Centerville	OH	11
LCNB National Bank	193 E. Main St	Chillicothe	OH	11
LCNB National Bank	1006 Western Ave	Chillicothe	OH	11
LCNB National Bank	3420 Edwards Rd	Cincinnati	OH	11
LCNB National Bank	6581 Harrison Ave	Cincinnati	OH	11
LCNB National Bank	6415 Bridgetown Rd	Cincinnati	OH	11
LCNB National Bank	1270 Nagel Rd	Cincinnati	OH	11
LCNB National Bank	5681 Rapid Run Rd	Cincinnati	OH	11
LCNB National Bank	4310 Glenway Ave	Cincinnati	OH	11
LCNB National Bank	2705 Far Hills Ave	Dayton	OH	11
LCNB National Bank	110 W Main St	Eaton	OH	11
LCNB National Bank	1697 N Barron St	Eaton	OH	11
LCNB National Bank	765 Nilles Rd	Fairfield	OH	11
LCNB National Bank	Main And Springfield Streets	Frankfort	OH	11
LCNB National Bank	Dick Flynn Blvd	Goshen	OH	11
LCNB National Bank	794 Nw Washington Blvd	Hamilton	OH	11
LCNB National Bank	200 Campus Ctr	Lebanon	OH	11
LCNB National Bank	34 N Broadway St	Lebanon	OH	23
LCNB National Bank	730 Columbus Ave	Lebanon	OH	11
LCNB National Bank	522 S Commerce St	Lewisburg	OH	11
LCNB National Bank	500 Loveland Madeira Rd	Loveland	OH	11
LCNB National Bank	7795 South State Route 48	Maineville	OH	11
LCNB National Bank	1050 Reading Rd	Mason	OH	11
LCNB National Bank	4441 Marie Dr	Middletown	OH	11
LCNB National Bank	101 Clarence F Warner Dr	Monroe	OH	11
LCNB National Bank	30 W Park Pl	Oxford	OH	11
LCNB National Bank	6123 East State Route 22 And 3	Roachester	OH	11
LCNB National Bank	603 Corwin Nixon Blvd	South Lebanon	OH	11
LCNB National Bank	525 W Central Ave	Springboro	OH	11
LCNB National Bank	100 Crossing Dr	Washington Court House	OH	11
LCNB National Bank	9 N Main St	Waynesville	OH	11
LCNB National Bank	1243 Rombach Ave	Wilmington	OH	11
LCNB National Bank	6877 N High St	Worthington	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.