BlastPoint's Banking Scorecard
LCNB National Bank
Community
Specialty: Commercial
OH
FDIC cert 6623
Lebanon, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
LCNB National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
-2.9% YoY
-0.1% QoQ
|
+$845.3M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.7B
-1.3% YoY
+1.4% QoQ
|
+$718.1M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$1.8B
-1.9% YoY
-0.4% QoQ
|
+$677.7M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.08%
+66.6% YoY
+0.4% QoQ
|
-0.08% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.58%
+18.2% YoY
+1.8% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
64.42%
-13.3% YoY
-1.6% QoQ
|
+1.78% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.14%
-49.1% YoY
+17.0% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
91.93%
+0.7% YoY
+1.8% QoQ
|
+8.87% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
26.20%
+6.8% YoY
+4.9% QoQ
|
+5.15% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.12%
-40.8% YoY
+9.7% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
11.02%
+10.8% YoY
+0.7% QoQ
|
+0.78% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
1.02%
+5.4% YoY
+34.9% QoQ
|
+0.28% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#24 of 513 · Bottom 4% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.93%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.20% · Tier avg: 21.05%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
43
43th pctile
Efficiency Ratio
Current: 64.42% · Tier avg: 62.63%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.02% · Tier avg: 10.24%
30
30th pctile
Loan-to-Deposit Ratio
Current: 91.93% · Tier avg: 83.06%
Top Weaknesses
30
30th pctile
Loan-to-Deposit Ratio
Current: 91.93% · Tier avg: 83.06%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.02% · Tier avg: 10.24%
43
43th pctile
Efficiency Ratio
Current: 64.42% · Tier avg: 62.63%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.20% · Tier avg: 21.05%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
83
83th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%