# LCNB NATIONAL BANK
LEBANON, OH · FDIC certificate 6623 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.22B | |
| Deposits | $1.82B | |
| Loans and leases | $1.70B | |
| Total equity | $285.6M | |
| Loans / deposits | 92.84% (p67 of band) | 87.10% |
| Liquid assets / assets | 11.58% (p9 of band) | |
| Uninsured deposits / deposits | 12.27% (p6 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.28% (p42 of band) | |
| FHLB advances / assets | 4.28% | |
| Tier 1 leverage | 9.30% (p19 of band) | 10.50% |
| Unrealized securities loss / equity | -5.26% (p62 of band) | -7.75% |
| AOCI / equity | 0.13% (p85 of band) | |
| ROA (annualized) | 1.16% (p42 of band) | 1.26% |
| Net interest margin | 4.02% (p69 of band) | 3.70% |
| Efficiency ratio | 61.87% (p60 of band) | |
| Noncurrent loans | 0.34% (p36 of band) | 0.51% |
| Net charge-offs (annualized) | 0.24% (p89 of band) | |
| Reserve coverage of noncurrent | 232.03% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 24.94% (p23 of band) | |
| Auto loans | $10.5M (0.62% of loans; DQ 0.39%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 343 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 | capital falling | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent | capital falling |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2026-06 | 2 | deposits shrinking | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [LCNB Corp. Appoints Susan B. Zaunbrecher to Board of Directors - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOOU9jVVBmS1pjS1JfUzhjLWFZYjFIX21HVkRoTXN4ZC10bHVpNU1SR1ExVVlfaTBWWE8weF9mOGlUOHd5Qi1JMWlvbWRhT3I4aHUzWHk0YUJKdnkwaGxzTTZ6clczQ2lWMHdZTXc5Ti1XczBkZEVwb01XdURWeTg4MjdUTFJFV2VSZEFKZXFmZjMyWXJqdWVVaVMtZVNVdHd2dWNtaFgzM3d0dURSTGVGT0JJdWNTMzZDYVpz?oc=5) · Business Wire
- 2026-07-15 [LCNB National Bank opening suburban Cincinnati branch to replace existing office - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOQVpOdE5iNnB2ZVFLdEYzYk9QSElMYzJlMjY1eDJpVTRNRlNtdS1mSWx2RGpzNHdPdEMybGpaWk5PbXVlb0dubEplZzgtR3dFbXF4M1EyV2V4S1ZWOXdwZXJXR2UtT0N3bEs0QlR2N2ZYVWNyT1NjWXRxVUF4cHhERzBfeTROQkl0cWluRGRNbXZDRjlidnpTZ1l2YkZzR09qcTFpdA?oc=5) · The Business Journals
- 2026-08-20 [LCNB Adds Experienced Director, Updates Executive Change-in-Control Agreements - The Globe and Mail](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQcWJZTl9wcmd6X0JjN0hQd1RHNDBrOThoc0NIaDBFcWlIQklfOE5jUlNpa0ZOUF9KajN4SmpOUDdxdGRYdU1LV3RFeVlPaVplU181bHhlUzdzb1k4akQ0YTZxQ2RRZ1NjaFl1ci1nYUdTSlp6M2NoNjNIQkdEcXpmVlBvNk83SHNpR1RuU29mVTEwMVhURWZWV0hkb2NySzBRdnRxVkR5VmllTXp4YjRQellZa3oyVVdfbmtUREZXWVBaQUF2RnJiWXlMR3FmVHJ1RXFCYkNJQmhhVkl1bXowOWQwT3VINU85NUZRclVpeTFXT2lmNlpv?oc=5) · The Globe and Mail
- 2026-08-19 [LCNB Corp. Appoints Former Fifth Third Executive Susan Zaunbrecher to Board - citybiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxOcGp5WmlwcGJFam5sXzhZUTJ4Nm1uOFVwRnVlbTFGODlZUFZfSW8wTnRxWk94Y2VvbkJUQlF4Z3NUb1VOVEhhUFNfd0loaE9va091MEtqd2VINVZseTZ2V2x2QzJ6dl9WNEZYb3NfakpVOU41Z09fQ1VpZkE4blFrN2VHZnJzSFpPZUxLY0t2Q1ptS3czMGx1eTZLUnRLcnlUS3dqUjhMMkdDZ2cwUnpWR1pVRQ?oc=5) · citybiz
- 2026-07-19 [Cincinnati bank to close one suburban branch, open new location nearby - local12.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQNUZYSldQSGtVaHJYbEVwMHA0eWJ3cGttTVB3U05YQzV2RkFsZmF0VnVNMTBwTHl2eTIyUTUwSTJCUDNER2lWU09CYnkwaTFDUlZ2RmdaTHVtbkZXdUdiNzFOX2NRRlRwNnVuaEZJU3kyeWhwOGZscjVHVlNMeGJiclBhUjhJbUNVd1M4YWVCUXR3V3ZxQ25mVlk1YW9pUjBsdEJPSGJXUzZVWVBwVW1kc3h3bzltNWxPeEVGLXBtZVp1dHJpcWZXalVLQU5QV1k?oc=5) · local12.com
- 2026-08-20 [LCNB Corp. Announces 2026 Third-Quarter Dividend - Business Wire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONHpiNHBZLUpNU295N0dhMGVaWWZvT2tFMnJrY2dNMmxla2ZhODZsRFJCRXA5OHd4LXl4Sm1NUkdOU3I1SWh3a2dkNnlMY0xIQ2VYQU9fS0VvQUhOdWZvSHhXXzhJcnBGb2d3NUpIbUVvQ2EzVk5HbTJMNlIxQzRZd3JtdjdSVnB1ZHNoUjNtLUJvYmlYYi1Vdzcyd3VtSERGRW0zU0pZLWc?oc=5) · Business Wire
- 2026-06-04 [Amy Bedinghaus, Hired at LCNB National Bank - Cincinnati Business Courier - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY0FPMEpqYXFIU2JCTEp2cVhfTFNubzlIRFJ3OFZrVkRkZ2xfZXJDRktwTlJvYWU5Zm42Zi1oVU84TVBISGlnbWNqaE9Fc2l5bkw2NFVyclltX3ZINkJDSFNqQW53cVd2RGdRa3RMbUNJNjdiRmdtYm81R0lSS0FsclhPb2I4eUxoQm1VeXI4TTFqMHhi?oc=5) · The Business Journals
- 2026-08-08 [LCNB Corp Completes $25 Million Subordinated Notes Offering - The Globe and Mail](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQNlJ2M1ZPT2ctLWpqaDNNdHI2andWM0k4MFl5emlseEZVOUtlVjYtaENBMHM4SHNnMHRYZ1V5TV9wRkJnSzZUTTVzT1QxQlU2dmozQUluSXlBRTFERmR3OHZialdTWTdWS1pYb0paU0lrRmktektQeTE3SmF0S2N1UkpuWU9PeXd5TGJQY19BUG5Zd096YkdpY2o0dE5RdTNwdmxxdF9DcU9LQWdUcFp1YU94aXZBMUo3R3ZJVjY3TDNISElKMUpNUmpSekptUHhUeUR2RHFGU3BVSFU?oc=5) · The Globe and Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6623 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "6623", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide