LCNB National Bank

LCNB National Bank is an FDIC insured institution headquartered at 2 N Broadway St, Lebanon, OH 45036.
It was founded in 1877 and has approximately $2 billion in assets. Customers can open an account at one of its 37 branches.

Deposit Rates - December 21, 2024

SAVINGS RATES	APY	MIN
Savings	0.10%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.20%	$10,000	Compare
6 Mo CD	0.20%	$100,000	Compare
12 Mo CD	0.25%	$10,000	Compare
12 Mo CD	0.25%	$100,000	Compare
18 Mo CD	0.25%	$10,000	Compare
18 Mo CD	0.25%	$100,000	Compare
24 Mo CD	0.25%	$10,000	Compare
24 Mo CD	0.25%	$100,000	Compare
30 Mo CD	0.30%	$10,000	Compare
30 Mo CD	0.30%	$100,000	Compare
36 Mo CD	0.35%	$10,000	Compare
36 Mo CD	0.35%	$100,000	Compare
48 Mo CD	0.35%	$10,000	Compare
48 Mo CD	0.35%	$100,000	Compare
60 Mo CD	0.50%	$10,000	Compare
60 Mo CD	0.50%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.08%	$2,500	Compare
Money Market	0.10%	$10,000	Compare
Money Market	0.15%	$25,000	Compare

Loan Rates - December 21, 2024

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 2024

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 6623
Date Established	1877
Assets	$ 2.37 billion
Loans	$ 1,769.48 million
Deposits	$ 1,944.38 million
Capital	$ 252.04 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 33.71 million
Interest-bearing balances	$ 8.63 million
Total securities	$ 279.37 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,769.48 million
Loan loss allowance	$ 11.27 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 106.06 million
All other assets	$ 86.28 million
Total Assets	$ 2.12 billion

LIABILITIES
Total deposits	$ 1,944.38 million
Interest-bearing deposits	$ 1,491.98 million
Deposits held in domestic offices	$ 1,944.38 million
% insured (estimated)	87.70%
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	$ 2.12 billion
Shareholders’ Equity	$ 252.04 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 51.65 million
Total Interest Expense	$ 22.25 million
Net interest income	$ 29.40 million
Provision for loan and lease losses	$ 0.65 million
Total non interest income	$ 8.95 million
Total non interest expense	$ 32.77 million
Pre-tax Net Operating Income	$ 13.84 million

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Branches

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