LCNB National Bank
Lebanon, OH
IDRSSD: 785923
Total Assets
$2.24B
Latest filing
Total Deposits
$1.85B
Latest filing
Net Interest Margin
3.72%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
LCNB National Bank
2 N Broadway St
Lebanon, OH 45036
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/10/1877FDIC Certificate 4436
Branches (34)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| LCNB National Bank (Main) | 2 N Broadway St | Lebanon, OH |
| FRANKFORT BRANCH | Main And Springfield Streets | Frankfort, OH |
| WESTERN BRANCH | 1006 Western Ave | Chillicothe, OH |
| LEWISBURG BRANCH | 522 S Commerce St | Lewisburg, OH |
| DRIVE-IN BRANCH | 34 N Broadway St | Lebanon, OH |
| SOUTH LEBANON BRANCH | 603 Corwin Nixon Blvd | South Lebanon, OH |
| COLUMBUS AVENUE BRANCH | 730 Columbus Ave | Lebanon, OH |
| THE MASON BRANCH | 1050 Reading Rd | Mason, OH |
Showing 7 of 34
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/10/1877 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 45036 |
| State and County Number | 39165 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 344 |
| Domestic Offices | 35 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/12/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.lcnb.com |
| Data Updated | 11/14/2025 |
| CERT | 6623 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.24B |
| Total Deposits | $1.85B |
| Total Liabilities | $1.97B |
| Total Equity Capital | $274.24M |
| Net Income | $7.21M |
| Net Loans and Leases | $1.67B |
| Assets Per Employee ($Millions) | $6.79M |
| Bank Premises and Fixed Assets | $45.35M |
| Cash and Balances due from Depository Institutions | $31.76M |
| Deposits Held in Domestic Offices | $1.85B |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 10.63% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 61.34% |
| Tier 1 Risk-Based Capital Ratio | 10.945% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.246% |
| Earning Assets to total Assets | 86.66% |
Income and Expense
| Total Interest Income | $26.26M |
| Total Noninterest Income | $5.96M |
| Total Interest Expense | $7.98M |
| Total Noninterest Expense | $15.12M |
| Net Interest Income | $18.28M |
| Pre-tax Net Operating Income | $8.91M |
| Provision for Credit Losses | $211.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $465.00k |
| Other borrowed funds | $95.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.97M |
| Total Liabilities and Capital | $2.24B |
Securities
| Securities | $262.08M |
| Available-for-sale debt securities | $243.10M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $17.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of LCNB National Bank?
$2.24B as of the latest filing.
How much are LCNB National Bank's total deposits?
$1.85B in total deposits.
Where is LCNB National Bank located?
Lebanon, OH.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
35.
When was it established?
05/10/1877.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$1.67B (latest filing).
What is the total interest income (latest filing)?
$26.26M.