Side-by-side · Q2 2026 data
LCNB National Bank vs Civista Bank
Metric by metric
| Measure | LCNB National Bank | Civista Bank |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 43 | 77 (stronger) |
| Loan quality | 89 (stronger) | 69 |
| Earnings | 67 | 78 (stronger) |
| Funding & liquidity | 67 (stronger) | 64 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 49th | 77th |
| Total assets | $2.2B | $4.3B |
| Deposits / shares | $1.8B | $3.5B |
| Capital ratio | 9.30% | 12.71% (stronger) |
| Problem loans | 0.34% (stronger) | 0.92% |
| Net charge-offs | 0.32% | 0.05% (stronger) |
| Return on assets | 1.16% | 1.45% (stronger) |
| Loans ÷ deposits | 92.8% | 92.4% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 18.3% |
| Offices | 34 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 12.5% |
Civista Bank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), LCNB National Bank leads on 2 and Civista Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.