LCNB National Bank

Headquarters

2 N. Broadway St
Lebanon, OH 45036
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.25% 1.01% →
2-Year CD 0.25% 0.95% →
5-Year CD 0.50% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

LCNB National Bank is an FDIC insured institution located in Lebanon, OH. It was founded in 1877 and has approximately $1.63 billion in assets. Customers can open an account at one of its 37 branches.

FDIC Insured Yes
FDIC Certificate # 6623
Date Established 1877
Assets $ 1,633.43 million
Loans $ 1,267.38 million
Deposits $ 1,346.98 million
Capital $ 229.57 million
 

For a more detailed analysis of LCNB National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 26, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.08% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.25% $10,000 $14,999 Learn More
18 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
30 Mo CD
0.30% $10,000 $14,999 Learn More
30 Mo CD
0.30% $100,000 $199,999 Learn More
36 Mo CD
0.35% $10,000 $14,999 Learn More
36 Mo CD
0.35% $100,000 $199,999 Learn More
48 Mo CD
0.35% $10,000 $14,999 Learn More
48 Mo CD
0.35% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More


Loan Rates - October 26, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for LCNB National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.665% 2.625% 0.50 $1,300 $1,005 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to LCNB National Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

LCNB National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


LCNB National Bank Locations


Financial Details

LCNB National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of LCNB National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
LCNB National Bank U.S. Bank Average
1.22% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, LCNB National Bank had $2,869,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $229,574,000 in equity and $5,008,000 in loans loss reserves. That gives it a Texas Ratio of 1.22%.

Return on Equity
LCNB National Bank U.S. Bank Average
8.9% 7.80%

LCNB National Bank has a Return on Equity of 8.9% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
LCNB National Bank U.S. Bank Average
14.05% 12.68%

LCNB National Bank has a Capitalization of 14.05% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

LCNB National Bank Balance Sheet Analysis

As of March 31, 2020, LCNB National Bank had assets of $1,633,433,000, loans of $1,267,379,000, and deposits of $1,346,983,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 22.54 million
Interest-bearing balances $ 5.25 million
Total securities $ 170.49 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,267.38 million
Loan loss allowance $ 5.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 62.97 million
All other assets $ 69.42 million
     Total Assets $ 1,403.86 million
LIABILITIES
Total deposits $ 1,346.98 million
      Interest-bearing deposits $ 1,003.43 million
      Deposits held in domestic offices $ 1,346.98 million
      % insured (estimated) 85.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 41.66 million
Subordinated debt N.A.
All other liabilities $ 15.22 million
      Total Liabilities $ 1,403.86 million
      Shareholders’ Equity $ 229.57 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 16.54 million
Total Interest Expense $ 2.37 million
Net interest income $ 14.17 million
Provision for loan and lease losses $ 1.17 million
Total non interest income $ 3.53 million
Total non interest expense $ 11.22 million
Pre-tax Net Operating Income $ 5.30 million

Bank Loan Profile?

The top three loan types in LCNB National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Ohio, LCNB National Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.12
Multifamily
Mortgages
13.34
Credit Card Loans 0.00
Consumer Auto Loans 1.80
Small Business Loans 0.00
Construction and Development Loans 5.82
Commercial Real Estate 43.41
Commercial and Industrial Loans 6.74
Farm Loans 0.83

Frequently Asked Questions About Lcnb National Bank

Branches and Savings

Is Lcnb National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6623.

Why does Lcnb National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Lcnb National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Lcnb National Bank a commercial bank?

Yes

Where are Lcnb National Bank locations?

See branch locations nearby.

Is Lcnb National Bank open on Saturdays?

Is Lcnb National Bank open on Sundays?

What time does Lcnb National Bank open?

What time does Lcnb National Bank close?

Are Lcnb National Bank ATMs Open 24/7?

Do Lcnb National Bank ATMs accept cash deposits?

Can Lcnb National Bank customers use other ATMs?

Do Lcnb National Bank branches have notaries?

Will Lcnb National Bank notarize my document?

What address for Lcnb National Bank should I put for incoming ACH transfers?

Will the Lcnb National Bank branch print checks?

Do Lcnb National Bank checks expire?

Does Lcnb National Bank require US citizenship to open account?

Can Lcnb National Bank close my account?

Does Lcnb National Bank Report to credit bureaus?

Does Lcnb National Bank Use Equifax?

What is Lcnb National Bank's ACH Routing Number?

What is Lcnb National Bank's SWIFT code?

Products

Does Lcnb National Bank offer mortgages?

Compare mortgage rates here.

Does Lcnb National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lcnb National Bank offer personal loans?

Compare personal loan rates here.

Does Lcnb National Bank offer student loans?

Will Lcnb National Bank cash a check?

Will Lcnb National Bank redeem a savings bond?

Does Lcnb National Bank cash savings bonds?

Will Lcnb National Bank cash money orders?

Can Lcnb National Bank issue a money order?

Does Lcnb National Bank do currency exchange?

Background on The Bank

Who owns Lcnb National Bank?

How long has Lcnb National Bank been around?

Can Lcnb National Bank transfer to other banks?

Does Lcnb National Bank have quick pay?

Does Lcnb National Bank accept rolled coins?

Will Lcnb National Bank accept loose change?

Where is Lcnb National Bank headquarters?

Customer Reviews for LCNB National Bank

There are currently no comments for LCNB National Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →