LCNB Corp. is an Ohio-based financial holding company whose main operating business is LCNB National Bank, a community-focused commercial bank serving southwestern Ohio and the Columbus area. It provides traditional banking products such as commercial, real estate, agricultural, consumer, and SBA lending, along with deposit, mortgage, wealth management, brokerage, and insurance-related services.
| % | |
|---|---|
| Commercial lending | 35% Loans to businesses, including working capital, equipment, and owner-occupied real estate financing. |
| Real estate lending | 30% Residential mortgage, home equity, and commercial real estate lending secured by property. |
| Consumer and agricultural lending | 15% Auto, boat, home improvement, personal, agricultural, and other retail credit products. |
| Deposit and funding services | 10% Core deposit accounts, money market, savings, IRA, and time certificate funding. |
| Wealth management and brokerage | 5% Fee-based advisory, brokerage, and related customer investment services. |
| Insurance and other financial services | 5% Insurance agency activities and other ancillary financial services through affiliates. |
LCNB serves households, small businesses, farmers, and local real estate borrowers across its Ohio footprint...
Businesses buying commercial, industrial, and owner-occupied real estate loans for working capital and expansion.
Households buying mortgages, home equity lines, and consumer installment loans for housing and personal needs.
Developers and property owners financing income-producing or owner-occupied real estate.
Farm and rural customers using crop, livestock, equipment, and land-related lending products.
Local savers and higher-balance households using deposits, brokerage, and wealth management services.
LCNB’s business is overwhelmingly concentrated in Ohio, with offices in nine southwestern Ohio counties and Franklin...
LCNB’s strategy appears centered on organic loan growth, selective acquisitions, and cross-selling more fee-based...
Loan growth is the main driver of interest income and scale in a community bank model.
Wealth management, brokerage, and insurance can diversify revenue beyond spread income.
A concentrated loan book makes underwriting quality and funding stability critical to earnings resilience.
Net interest income depends on repricing loans and deposits in changing rate environments.
LCNB is exposed to credit risk, interest-rate risk, and liquidity risk typical of a community bank, but its geographic...
A loan-heavy balance sheet depends on borrower repayment and collateral values, both of which can weaken in downturns.
Loan yields and deposit costs reprice at different speeds, affecting net interest margin.
Most customers come from a narrow regional footprint, so local recession or property weakness can hit both loans and deposits.
Digital and branch banking depend on secure systems and third-party service continuity.
Recent and future acquisitions can create operational disruption, systems issues, and unexpected costs.
: 28.4.2026