Side-by-side · Q2 2026 data
The Ohio Valley Bank Company vs LCNB National Bank
Metric by metric
| Measure | The Ohio Valley Bank Company | LCNB National Bank |
|---|---|---|
| TellerScore | 54 | 68 (stronger) |
| Capital cushion | 47 (stronger) | 43 |
| Loan quality | 52 | 89 (stronger) |
| Earnings | 55 | 67 (stronger) |
| Funding & liquidity | 50 | 67 (stronger) |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 12th | 49th |
| Total assets | $1.6B | $2.2B |
| Deposits / shares | $1.4B | $1.8B |
| Capital ratio | 9.73% (stronger) | 9.30% |
| Problem loans | 1.45% | 0.34% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.32% |
| Return on assets | 0.89% | 1.16% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 92.8% |
| Uninsured deposits | 36.6% | 12.3% (stronger) |
| Offices | 14 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 7.4% |
LCNB National Bank has the higher TellerScore (68 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Ohio Valley Bank Company leads on 3 and LCNB National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.