LCNB NATIONAL BANK

LEBANON, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1877FDIC #6,623

Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Is this bank safe?

LCNB NATIONAL BANK holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.90%).

Institution Profile

FDIC BankFind

Website

www.lcnb.com

Address

2 N Broadway St, LEBANON, OH

County

Warren County

Established

May 10, 1877

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 21, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.8B

Net Loans

$1.7B

Net Income

$5M

ROA

0.90%

Above avg for Community banks. Peer avg: 0.90%

ROE

7.17%

Risk-Based Capital

12.04%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.90%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.04%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate6.82%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.9B

1-Year Change

-2

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,026	75.05%	6.82%
2023	375	82.93%	10.40%
2022	333	81.38%	9.91%
2021	728	80.36%	10.03%
2020	939	84.13%	9.58%
2019	499	80.16%	13.83%
2018	512	79.3%	11.72%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 2025	Satisfactory	Large Bank
May 2022	Satisfactory	Large Bank
May 2019	Satisfactory	Large Bank

8 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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