Lcnb National Bank (FDIC #6623): Bank Stress & Real-Estate Credit Exposure
Lcnb National Bank (FDIC Cert #6623): bank stress 57/100, moderate, STABLE over 7 days; parent LCNB CORP (LCNB).
Lcnb National Bank (#6623) lends in 10 counties across 1 state; Lcnb National Bank (#6623) reaches 232 ZIP codes: Ohio 10 counties, 232 ZIPs.
Lcnb National Bank (#6623) largest markets: Hamilton County, OH (406 branches, 58 ZIPs) (#6623), Franklin County, OH (50 branches, 50 ZIPs) (#6623), Montgomery County, OH (126 branches, 42 ZIPs) (#6623), Warren County, OH (240 branches, 24 ZIPs) (#6623), Clermont County, OH (23 branches, 23 ZIPs) (#6623), Butler County, OH (90 branches, 18 ZIPs) (#6623).
Lcnb National Bank (#6623) reports $2.22 billion in total assets; Lcnb National Bank (#6623) equity $285.6 million (12.9% of Lcnb National Bank (#6623) assets); Lcnb National Bank (#6623) domestic deposits $1.82 billion; Lcnb National Bank (#6623) net income $13.0 million; Lcnb National Bank (#6623) return on assets 1.16%; Lcnb National Bank (#6623) return on equity 9.22%; Lcnb National Bank (#6623) net interest income $39.0 million; Lcnb National Bank (#6623) call report June 30, 2026.
Lcnb National Bank (#6623) noncurrent real-estate loans: none reported; Lcnb National Bank (#6623) net charge-offs on real estate 0.19%; Lcnb National Bank (#6623) residential charge-offs 0.33%.
Lcnb National Bank (#6623) net interest margin 4.02% against an eight-quarter Lcnb National Bank (#6623) average of 3.45% (Lcnb National Bank (#6623) compression -0.57 points); Lcnb National Bank (#6623) non-residential real estate 33.1% of equity; Lcnb National Bank (#6623) rate-exposure score 40/100, Lcnb National Bank (#6623) fixed-rate trap 40/100; Lcnb National Bank (#6623) risk type credit driven; Lcnb National Bank (#6623) rate regime rates elevated; Lcnb National Bank (#6623) shares 9.0% below the 52-week high, Lcnb National Bank (#6623) equity trend stable, Lcnb National Bank (#6623) snapshot October 19, 2026.
Lcnb National Bank (#6623) stress score moved from 61.8 on June 22, 2026 to 57.1 on October 19, 2026; Lcnb National Bank (#6623) ranged 57.1 to 61.8 over 116 snapshots.
Lcnb National Bank (#6623) alerts: 10 counties; top Lcnb National Bank (#6623) alert scores: Columbus County, OH 21 (low); Dayton County, OH 21 (low); Frankfort County, OH 21 (low); Goshen County, OH 21 (low); Lewisburg County, OH 21 (low).