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Lcnb National Bank
Lebanon, OH · FDIC Certificate #6623 · Chartered 05/1
Total assets
$2.22B
Total deposits
$1.82B
Total equity
$285.57M
Net loans
$1.69B
Branches (offices)
35
Net income (YTD)
$12.99M
Rank: #563 of 4,213 U.S. banks by assets · #17 of 155 in Ohio. Assets changed -3.6% and deposits -5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 9.22% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 12.87% |
| Tier 1 leverage ratio | 9.30% |
| Uninsured deposits (share of deposits) | 12.3% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.32% |
| Loans to deposits | 92.8% |
| Real estate loans (share of loans) | 93.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.58B | 93.3% | |
| Commercial & industrial | $96.36M | 5.7% | |
| Consumer / individual | $15.01M | 0.9% | |
| Construction & development | $71.23M | 4.2% | |
| Agricultural | $15.97M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.91B | $1.66B | $11.14M | $217.51M |
| Jun 2023 | $1.95B | $1.60B | $9.98M | $211.94M |
| Jun 2024 | $2.37B | $1.94B | $3.93M | $252.04M |
| Jun 2025 | $2.30B | $1.92B | $11.24M | $268.21M |
| Jun 2026 | $2.22B | $1.82B | $12.99M | $285.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.82B | 35 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.82B.
Similar-sized banks
First Bank Chicago ($2.23B) · Maspeth Federal Savings And Loan Association ($2.21B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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