Bank · FDIC insured
LCNB National Bank
A $2.2B bank headquartered in Lebanon, OH, with 35 branches in Ohio. Best rates: CDs 3.70% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—5.34%CD rates →
- Savings680.05%1.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About LCNB National Bank
LCNB National Bank is headquartered in Lebanon, Ohio.
- Headquarters
- 2 N Broadway St, Lebanon, OH 45036
- FDIC certificate
- 6623 ↗
Branches
35 branches in Ohio
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Ohio
35 branches
Cincinnati area · 23
- LCNB National BankMain office2 N Broadway St, Lebanon, OH 45036Directions
- Anderson Branch1270 Nagel Rd, Cincinnati, OH 45255Directions
- Bridgetown Branch6415 Bridgetown Rd, Cincinnati, OH 45248Directions
- Delhi Branch5681 Rapid Run Rd, Cincinnati, OH 45238Directions
- Dent Branch6581 Harrison Ave, Cincinnati, OH 45247Directions
- Hyde Park Branch3420 Edwards Rd, Cincinnati, OH 45208Directions
- Price Hill Branch4310 Glenway Ave, Cincinnati, OH 45205Directions
- Fairfield Branch765 Nilles Rd, Fairfield, OH 45014Directions
- Goshen BranchDick Flynn Blvd, Goshen, OH 45122Directions
- Hamilton Branch794 Nw Washington Blvd, Hamilton, OH 45013Directions
- Columbus Avenue Branch730 Columbus Ave, Lebanon, OH 45036Directions
- Drive-In Branch34 N Broadway St, Lebanon, OH 45036Directions
- Otterbein Branch200 Campus Ctr, Lebanon, OH 45036Directions
- Loveland Branch500 Loveland Madeira Rd, Loveland, OH 45140Directions
- Maineville Branch7795 South State Route 48, Maineville, OH 45039Directions
- The Mason Branch1050 Reading Rd, Mason, OH 45040Directions
- Middletown Branch4441 Marie Dr, Middletown, OH 45044Directions
- Monroe Branch101 Clarence F Warner Dr, Monroe, OH 45050Directions
- Oxford Branch30 W Park Pl, Oxford, OH 45056Directions
- Roachester/Morrow Branch6123 East State Route 22 And 3, Roachester, OH 45152Directions
- South Lebanon Branch603 Corwin Nixon Blvd, South Lebanon, OH 45065Directions
- Springboro/Franklin Branch525 W Central Ave, Springboro, OH 45066Directions
- Waynesville Branch9 N Main St, Waynesville, OH 45068Directions
Dayton area · 3
- Brookville Nb225 Upper Lewisburg Salem Rd, Brookville, OH 45309Directions
- Centerville Branch9605 Dayton Lebanon Pike St Rt 48, Centerville, OH 45458Directions
- Oakwood Branch2705 Far Hills Ave, Dayton, OH 45419Directions
Chillicothe area · 3
- Chillicothe Branch193 E. Main St, Chillicothe, OH 45601Directions
- Western Branch1006 Western Ave, Chillicothe, OH 45601Directions
- Frankfort BranchMain And Springfield Streets, Frankfort, OH 45628Directions
Eaton area · 2
- Barron Street Branch1697 N Barron St, Eaton, OH 45320Directions
- Eaton National Bank Branch110 W Main St, Eaton, OH 45320Directions
Lewisburg area · 1
- Lewisburg Branch522 S Commerce St, Lewisburg, OH 45338Directions
Washington Court House area · 1
- Fayette Banking Center Branch100 Crossing Dr, Washington Court House, OH 43160Directions
Wilmington area · 1
- Wilmington Branch1243 Rombach Ave, Wilmington, OH 45177Directions
Columbus area · 1
- Worthington Branch6877 N High St, Worthington, OH 43085Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.30% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.34% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.16% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalLeverage ratio9.30%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.34%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.16%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of LCNB National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.