LCNB National Bank: how it compares with its peers
Against 23 OH banks with half to twice its assets, LCNB National Bank's strongest measure in Q2 2026 is net interest margin (4.02% vs. a 3.62% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.7M).
| Measure | LCNB National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.26% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.62% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.87% | 59.15% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.7M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.84% | 84.95% | Context |
What it means for lending operations
Its efficiency ratio of 61.87% is above the 59.15% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- CFBank, National Association Columbus, OH · $2.17B
- Waterford Bank, N.A. Toledo, OH · $1.77B
- Sutton Bank Attica, OH · $1.74B
- The Ohio Valley Bank Company Gallipolis, OH · $1.65B
- The State Bank and Trust Company Defiance, OH · $1.61B
- THE VINTON COUNTY NATIONAL BANK Mcarthur, OH · $1.59B
Questions about LCNB National Bank
How big is LCNB National Bank?
LCNB National Bank, established in 1877, is headquartered in Lebanon, OH. It reported $2.22B in total assets in its Q2 2026 FDIC call report and operates 35 offices.
What is LCNB National Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.26% median for 23 OH banks with half to twice its assets, ahead of 30% of them.
What is LCNB National Bank's efficiency ratio?
61.87% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 59.15%, and lower is better.
Is LCNB National Bank growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits shrank 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.