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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

LCNB National Bank

Lebanon, Ohio · $2.22B in assets · beside the 11 other Ohio banks between $1B and $3B

The filing

385.6%
CRE / capital
12th of 12
12.9%
Equity / assets
2nd of 12
48.5%
CRE / loans
11th of 12

LCNB National Bank is the second largest of the 12 Ohio banks nearest its size between $1B and $3B, with $2.22B in assets at 30 June 2026. Loans are 93.6% of deposits, 10th of 12 against a median of 88.1%, and equity is 12.9% of assets, 2nd of 12. Loans grew -0.9% in the year, 11th of 12, and deposits fell 5.3%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.34% of the book, 7th of 12 against a median of 0.32%; 0.03% is 30 to 89 days past due, and the allowance covers them 2.3 times. Net charge-offs are 0.32% of loans, the highest in the cohort. Commercial real estate is 48.5% of loans, 11th of 12 against a median of 32.5%, and 386% of capital, above the 300% screen, with construction at 33% against the 100% screen.

Return on assets is 1.15%, 8th of 12 against a median of 1.19%, on an efficiency ratio of 62.8%, 10th of 12. Five years ago it was 1.16%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.4% of loans).

Commercial real estate against capital, the 300% screenOH banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 226% SB Sutton Bank 56% GS Guardian Savings Bank 57% VC Vinton County National Bank 122% FF First Federal Savings & Loan Association of Lakewood 138% MS Main Street Bank Corp. 151% SB State Bank & Trust Co. 225% UB Union Bank Co. 228% OV Ohio Valley Bank Co. 242% WB Waterford Bank N A 248% CN Cfbank National Association 279% CC Croghan Colonial Bank 359% LN LCNB National Bank 386%
Loans, year over yearOH banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.6% CC Croghan Colonial Bank +19.3% SB Sutton Bank +14.1% OV Ohio Valley Bank Co. +13.3% MS Main Street Bank Corp. +9.7% UB Union Bank Co. +9.4% SB State Bank & Trust Co. +8.1% VC Vinton County National Bank +7.2% WB Waterford Bank N A +3.6% CN Cfbank National Association +2.6% GS Guardian Savings Bank +1.5% LN LCNB National Bank -0.9% FF First Federal Savings & Loan Association of Lakewood -1.8%

SBA 7(a), FY2008 to FY2026

LCNB National Bank is the 84th largest 7(a) lender into Ohio of 361, with $17M across 31 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $5.20B). 19 of its 19 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Franklin, OH$5M49th of 1660.2%quiet FY2017
Henry, OH$4M3rd of 1516.2%quiet FY2016
Maricopa, AZ$2M169th of 3030.0%quiet FY2017
Union, NC$2M35th of 890.7%quiet FY2016
Scioto, OH$2M7th of 254.4%quiet FY2011
Cuyahoga, OH$1M94th of 1450.1%quiet FY2017
Hamilton, OH$1M71st of 1220.1%quiet FY2008
Madison, OH$1M12th of 341.3%quiet FY2017
Montgomery, OH$907K70th of 1110.1%quiet FY2015
Gonzales, TX$805K14th of 191.9%quiet FY2014
Cole, MO$705K13th of 230.7%quiet FY2014
Clermont, OH$540K38th of 590.2%quiet FY2008
Pitt, NC$381K46th of 610.2%quiet FY2016
6 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance15$9M35.4%0.02%415th of 2,172
Real estate & leasing4$6M26.0%0.05%283rd of 1,452
Manufacturing7$4M17.4%0.01%770th of 2,246
Retail trade3$2M8.0%0.00%1185th of 2,589
Accommodation & food services3$2M7.5%0.00%1290th of 2,596
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and LCNB National Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans LN LCNB National Bank 0.1% $17M · 31 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
LCNB National BankRankCohort median
Total CRE against capital, the 300% screen386%12th of 12226%
Construction against capital, the 100% screen33%5th of 1242%
Construction and land development, share of loans4.2%4th of 127.4%
Non-owner-occupied nonfarm nonresidential, share of loans29.6%11th of 1216.7%
Total CRE, the guidance definition, share of loans48.5%11th of 1232.5%
CRE growth over 36 months, the third prong+15.4%3rd of 12+36.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Federal Savings & Loan Association of Lakewood$2.94B0.6%87.6%0.44%-0.48%0.8%108.6%8.0%
LCNB National Bank$2.22B1.2%62.8%0.34%0.32%0.8%93.6%12.9%
Cfbank National Association$2.17B1.2%48.4%1.14%-0.01%1.1%99.5%11.4%
Waterford Bank N A$1.77B1.2%49.7%0.68%-0.08%1.3%89.7%10.1%
Sutton Bank$1.74B3.7%44.4%0.02%-0.01%1.2%29.8%13.1%
Ohio Valley Bank Co.$1.65B0.9%60.6%1.45%0.06%1.3%87.3%10.0%
State Bank & Trust Co.$1.61B1.1%65.6%0.30%0.04%1.4%85.5%10.3%
Vinton County National Bank$1.59B1.2%59.2%0.27%0.09%1.0%81.2%10.5%
Main Street Bank Corp.$1.55B1.5%50.5%0.66%0.00%1.1%92.7%9.7%
Union Bank Co.$1.44B0.9%60.7%0.12%0.02%1.0%72.5%10.5%
Croghan Colonial Bank$1.41B1.2%59.6%0.08%0.02%1.1%81.8%10.0%
Guardian Savings Bank$1.39B2.0%47.2%0.20%0.00%1.0%89.0%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
LCNB National BankCohort median
20212026Change20212026Change
Loans$1.32B$1.70B+29%$819M$1.22B+48%
Deposits$1.58B$1.82B+15%$1.09B$1.41B+28%
NPA / loans0.25%0.34%+0.09 pts0.32%0.32%-0.00 pts
Efficiency64.5%62.8%-1.7 pts60.4%59.4%-1.0 pts
ROA1.16%1.15%-0.00 pts1.27%1.19%-0.08 pts

This read was prepared for LCNB National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on LCNB National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $1B to $3B
Institution www.lcnb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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