Headquartered in Lebanon, Ohio, LCNB National Bank is a national bank with $2.2B in total assets and $1.8B in deposits as of Q2 2026. It operates 35 offices. Its charter dates back to 1877.
LCNB National Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 88th. Problem-loan coverage contributes the most (96/100, 2.0%); capital cushion contributes the least (43/100, 9.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (64 → 68), mostly because the capital cushion component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 61 |
| Q1 2025 | 63 |
| Q2 2025 | 64 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.45% |
| Q3 2024 | 7.74% |
| Q4 2024 | 7.94% |
| Q1 2025 | 8.07% |
| Q2 2025 | 8.32% |
| Q3 2025 | 8.53% |
| Q4 2025 | 8.94% |
| Q1 2026 | 8.95% |
| Q2 2026 | 9.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.08% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $2.2B | 9.30% | 0.34% | 1.16% | 92.8% |
| Q1 2026 | 66 | $2.2B | 8.95% | 0.19% | 0.90% | 91.8% |
| Q4 2025 | 68 | $2.2B | 8.94% | 0.14% | 1.08% | 91.9% |
| Q3 2025 | 67 | $2.2B | 8.53% | 0.12% | 1.08% | 90.3% |
| Q2 2025 | 64 | $2.3B | 8.32% | 0.28% | 0.98% | 88.9% |
| Q1 2025 | 63 | $2.3B | 8.07% | 0.28% | 0.85% | 89.0% |
| Q4 2024 | 61 | $2.3B | 7.94% | 0.27% | 0.65% | 91.3% |
| Q3 2024 | 60 | $2.3B | 7.74% | 0.19% | 0.49% | 90.9% |
| Q2 2024 | 58 | $2.4B | 7.45% | 0.17% | 0.34% | 91.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CFBank, National AssociationBank Columbus, OH | 64 out of 100, Moderate | $2.2B | 11.6% | 1.14% | vs |
| Waterford Bank, N.A.Bank Toledo, OH | 66 out of 100, Moderate | $1.8B | 10.4% | 0.68% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| The Ohio Valley Bank CompanyBank Gallipolis, OH | 54 out of 100, Below average | $1.6B | 9.7% | 1.45% | vs |
| The State Bank and Trust CompanyBank Defiance, OH | 70 out of 100, Strong | $1.6B | 10.0% | 0.30% | vs |
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
Deposit insurance
Is my money safe at LCNB National Bank?
Yes. LCNB National Bank is an FDIC-insured institution (FDIC certificate #6623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.3% of deposits ($223.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.40% (benchmark: 10%).
35 locations
Branches
LCNB National Bank lists 34 offices in 25 cities. Most locations:
- Cincinnati, OH (6)
- Lebanon, OH (3)
- Chillicothe, OH (2)
- Eaton, OH (2)
- Brookville, OH (1)
- Centerville, OH (1)
- Dayton, OH (1)
- Fairfield, OH (1)
- Frankfort, OH (1)
- Goshen, OH (1)
- Hamilton, OH (1)
- Lewisburg, OH (1)
HMDA 2025
Mortgage lending
In 2025, LCNB National Bank reported 646 home-loan applications under HMDA (LEI 549300Q55VW95EP3CM33): 523 originated ($176,875,000 total), 44 denied, and 51 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- LCNB National Bank
- Former names
- The Lebanon-Citizens National Bank; The Lebanon-Citizens National Bank & Trust Company
- Type
- National bank
- FDIC certificate #
- 6623
- RSSD ID
- 785923
- Primary regulator
- OCC
- Holding company
- Lcnb Corp
- Established
- May 10, 1877
- Headquarters
- 2 N Broadway St, Lebanon, OH 45036
- Website
- www.lcnb.com
- Employees
- 343
Quick answers
LCNB National Bank: common questions
Is LCNB National Bank FDIC insured?
Yes. LCNB National Bank is an FDIC-insured institution (FDIC certificate #6623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is LCNB National Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has LCNB National Bank ever failed?
There is no failure record for FDIC certificate #6623 in the FDIC failed bank list.
How many branches does LCNB National Bank have?
35 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| Spring Valley BankBank Wyoming, OH | 89 out of 100, Very strong | $113.6M | 34.1% | 0.43% | vs |
| Members Trust Federal Credit UnionCredit union Mason, OH | 87 out of 100, Very strong | $23.4M | 19.1% | 0.05% | vs |