LCNB National Bank
Lebanon, Ohio, Warren County
$2.2B in total assets, the 576th largest of 4,309 US banks and 17th of 160 headquartered in Ohio.
- FDIC certificate
- 6623
- Established
- 1877
- Owned by
- Lcnb Corp
- Primary regulator
- OCC
- Website
- www.lcnb.com
At a glance
Compared with 27 banks headquartered in Ohio with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.2B | 70% | $1.6B | |
| Loans | $1.7B | 70% | $1.1B | |
| Deposits | $1.8B | 67% | $1.4B | |
| Return on assets | 1.17% | 46% | 1.21% | |
| Net interest margin | 4.02% | 82% | 3.62% | |
| Efficiency ratio | 61.9% | 70% | 58.4% | |
| Equity to assets | 12.87% | 93% | 10.17% | |
| Loans to deposits | 94% | 74% | 86% |
Growth
Total assets grew 3.7% a year over the last 5 years and 5.4% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2024 | EAGLE.bank Cincinnati, OH | $175M |
| Nov 2023 | Cincinnati Federal Cincinnati, OH | $311M |
| May 2018 | Columbus First Bank Worthington, OH | $324M |
| May 2015 | Brookville National Bank Brookville, OH | $112M |
| Jan 2014 | Eaton National Bank & Trust Co. Eaton, OH | $183M |
| Jan 2013 | The Citizens National Bank of Chillicothe Chillicothe, OH | $152M |
| Dec 2007 | The Sycamore National Bank Cincinnati, OH | $49M |
Where they operate
35 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Warren County, OH | $737M | 12.9% | 2 of 19 |
| Hamilton County, OH | $254M | 0.2% | 14 of 32 |
| Montgomery County, OH | $188M | 1.7% | 10 of 20 |
| Butler County, OH | $177M | 2.1% | 8 of 21 |
| Preble County, OH | $151M | 20.4% | 2 of 9 |
| Ross County, OH | $150M | 11.7% | 4 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (37 to 35, −5.4%). 0 opened, 9 acquired, 11 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 37 | |||
| 2016 | Closed Okeana | 0 | 1 | −1 | 36 |
| 2017 | Closed Brookville and Clarksburg | 0 | 2 | −2 | 34 |
| 2018 | Acquired Columbus First Bank | 1 | 0 | +1 | 35 |
| 2020 | Closed New Paris and West Alexandria | 0 | 2 | −2 | 33 |
| 2021 | Closed Lebanon | 0 | 1 | −1 | 32 |
| 2022 | Closed Chillicothe and Cincinnati | 0 | 2 | −2 | 30 |
| 2023 | Acquired Cincinnati FederalClosed Franklin | 5 | 1 | +4 | 34 |
| 2024 | Acquired EAGLE.bankClosed Cincinnati | 3 | 1 | +2 | 36 |
| 2025 | Closed Florence | 0 | 1 | −1 | 35 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 28% | |
| 1-4 family residential | 29% | 34% | |
| Multifamily | 15% | 6% | |
| Business (C&I) | 6% | 12% | |
| Construction and land | 4% | 6% | |
| Farmland | 2% | 4% | |
| Agricultural | 1% | 1% | |
| Consumer | 1% | 4% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 56% | |
| Noninterest-bearing | 27% | 20% | |
| Time deposits | 19% | 25% |
Brokered deposits are 0.0% of deposits (peers 5.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.34% | 0.66% |
| Net charge-offs, annualized | 0.32% | 0.02% |
| Reserves to loans | 0.80% | 1.11% |
| Leverage ratio | 9.30% | 10.45% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Warren County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/lcnb