Side-by-side · Q2 2026 data
LCNB National Bank vs The State Bank and Trust Company
Metric by metric
| Measure | LCNB National Bank | The State Bank and Trust Company |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 43 | 50 (stronger) |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 67 | 67 |
| Funding & liquidity | 67 (stronger) | 63 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 49th | 58th |
| Total assets | $2.2B | $1.6B |
| Deposits / shares | $1.8B | $1.4B |
| Capital ratio | 9.30% | 10.00% (stronger) |
| Problem loans | 0.34% | 0.30% (stronger) |
| Net charge-offs | 0.32% | 0.04% (stronger) |
| Return on assets | 1.16% | 1.17% (stronger) |
| Loans ÷ deposits | 92.8% | 84.3% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 26.6% |
| Offices | 34 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 9.9% |
The State Bank and Trust Company has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), LCNB National Bank leads on 1 and The State Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.