LCNB National Bank is an FDIC insured institution headquartered at
2 N Broadway St, Lebanon, OH 45036.
Deposit Rates -
July 15, 2025
SAVINGS RATES
APY
MIN
Savings
0.10% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.20% $10,000
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6 Mo CD
0.20% $100,000
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12 Mo CD
0.25% $10,000
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12 Mo CD
0.25% $100,000
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18 Mo CD
0.25% $10,000
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18 Mo CD
0.25% $100,000
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24 Mo CD
0.25% $10,000
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24 Mo CD
0.25% $100,000
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30 Mo CD
0.30% $10,000
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30 Mo CD
0.30% $100,000
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36 Mo CD
0.35% $10,000
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36 Mo CD
0.35% $100,000
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48 Mo CD
0.35% $10,000
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48 Mo CD
0.35% $100,000
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60 Mo CD
0.50% $10,000
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60 Mo CD
0.50% $100,000
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MM RATES
APY
MIN
Money Market
0.08% $2,500
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Money Market
0.10% $10,000
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Money Market
0.15% $25,000
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Loan Rates -
July 15, 2025
AUTO LOAN RATES
APR(%)
MONTHLY PAYMENT
5 Year
5.91%
$482.27
6 Year
5.60%
$409.56
7 Year
5.68%
$361.33
Overview 2025
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 6623
Date Established
1877
Assets
$ 2.30 billion
Loans
$ 1,711.60 million
Deposits
$ 1,922.28 million
Capital
$ 264.08 million
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 33.52 million
Interest-bearing balances
$ 16.67 million
Total securities
$ 275.11 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 1,711.60 million
Loan loss allowance
$ 12.12 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.53 million
Goodwill and other intangibles
$ 100.93 million
All other assets
$ 86.28 million
Total Assets $ 2.03 billion
LIABILITIES
Total deposits
$ 1,922.28 million
Interest-bearing deposits
$ 1,451.71 million
Deposits held in domestic offices
$ 1,922.28 million
% insured (estimated)" 82.43%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 10.00 million
Subordinated debt
N.A.
All other liabilities
$ 20.63 millionn
Total Liabilities $ 2.03 billion
Shareholders’ Equity $ 264.08 million
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 25.28 million
Total Interest Expense
$ 8.91 million
Net interest income
$ 16.37 million
Provision for loan and lease losses
$ 0.20 million
Total non interest income
$ 5.44 million
Total non interest expense
$ 15.65 million
Pre-tax Net Operating Income
$ 13.84 million
Customer Reviews for LCNB National Bank
Branches
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LCNB National Bank Locations
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