Side-by-side · Q2 2026 data
LCNB National Bank vs Waterford Bank, N.A.
Metric by metric
| Measure | LCNB National Bank | Waterford Bank, N.A. |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 43 | 54 (stronger) |
| Loan quality | 89 (stronger) | 77 |
| Earnings | 67 | 71 (stronger) |
| Funding & liquidity | 67 (stronger) | 49 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 49th | 40th |
| Total assets | $2.2B | $1.8B |
| Deposits / shares | $1.8B | $1.6B |
| Capital ratio | 9.30% | 10.45% (stronger) |
| Problem loans | 0.34% (stronger) | 0.68% |
| Net charge-offs | 0.32% | -0.08% (stronger) |
| Return on assets | 1.16% | 1.29% (stronger) |
| Loans ÷ deposits | 92.8% | 88.5% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 35.2% |
| Offices | 34 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 1.7% |
LCNB National Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), LCNB National Bank leads on 3 and Waterford Bank, N.A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.