Vitals
  • Total Assets
    1.3B 2.1 %
  • Total Deposits
    1.1B 2.2 %
  • Total Net Loans
    816.2M 6.3 %
  • Net Income
    13.1M 9.9 %
  • Book Value
    141.3M 2.1 %
  • Book Value x2
    282.6M 2.1 %
  • Book Value x3
    424.0M 2.1 %
ROAA

1.009

ROAE

9.23

Efficiency Ratio

63.107

Net Interest Margin

3.498

Balance Sheet Highlights
Financial Highlights Lcnb National Bank All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 1,305,671 361,398
Total Net Loans 816,228 246,196
Total Deposits 1,111,396 299,385
Total Equity 141,325 40,120
Profitability
Net Income 13,114 3,580
Return on Average Assets 1.009 .879
Return on Average Equity 9.23 7.888
Net Interest Margin 3.498 3.69
Efficiency Ratio 63.107 68.453
Noninterest Income/Revenue 18.151 19.831
Balance Sheet Ratios
Loan-to-Deposit 73.442 76.786
Securities/Assets .276 .197
Total Equity/Total Assets .108 .111
Tangible Equity/Tangible Assets .082 .102
Capital Adequacy
Tier 1 Common Capital 111,254 37,120
Tier 1 Capital 111,254 37,403
Tier 2 Capital 3,575 2,742
Total Capital 114,829 40,139
Total Risk Weighted Assets 867,486 260,858
Leverage Ratio 8.69 10.639
Common Equity Tier 1 Capital Ratio 12.82 16.715
Tier 1 Capital Ratio 12.82 16.742
Total Capital Ratio 13.24 17.824

Timeline for Lcnb National Bank

Brookville National Bank

Acquisition: Lcnb National Bank acquired a new subsidiary, Brookville National Bank, 8 years

View Profile May 01 2015

Lcnb Title Services Llc

Lcnb Title Services Llc became a new subsidiary organization for Lcnb National Bank.

View Profile Jul 21 2014

Eaton National Bank & Trust Co.

Acquisition: Lcnb National Bank acquired a new subsidiary, Eaton National Bank & Trust Co., 10 years

View Profile Jan 25 2014

The Citizens National Bank Of Chillicothe

Acquisition: Lcnb National Bank acquired a new subsidiary, The Citizens National Bank Of Chillicothe, 11 years

View Profile Jan 12 2013

The Sycamore National Bank

Acquisition: Lcnb National Bank acquired a new subsidiary, The Sycamore National Bank, 16 years

View Profile Dec 21 2007

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Complete timeline for Lcnb National Bank is available.

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Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Brookville National Bank Seller 111,795 Acquisition Discontinued 5/1/2015
Eaton National Bank & Trust Co. Seller 182,940 Acquisition Discontinued 1/25/2014
The Citizens National Bank Of Chillicothe Seller 151,700 Acquisition Discontinued 1/12/2013
The Sycamore National Bank Seller 49,062 Acquisition Discontinued 12/21/2007
Relationships Role Relationship Start Relationship End
Lcnb Corp. Parent 5/18/1999
Lcnb Title Services Llc Subsidary 7/21/2014
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