Side-by-side · Q2 2026 data
LCNB National Bank vs The Vinton County National Bank
Metric by metric
| Measure | LCNB National Bank | The Vinton County National Bank |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 43 | 55 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 67 | 72 (stronger) |
| Funding & liquidity | 67 (stronger) | 62 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 49th | 70th |
| Total assets | $2.2B | $1.6B |
| Deposits / shares | $1.8B | $1.4B |
| Capital ratio | 9.30% | 10.49% (stronger) |
| Problem loans | 0.34% | 0.27% (stronger) |
| Net charge-offs | 0.32% | 0.09% (stronger) |
| Return on assets | 1.16% | 1.29% (stronger) |
| Loans ÷ deposits | 92.8% | 80.4% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 30.9% |
| Offices | 34 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 14.8% |
The Vinton County National Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), LCNB National Bank leads on 1 and The Vinton County National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.