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LCNB National Bank Review

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LCNB National Bank Savings
0.06% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


LCNB National Bank first started operating in 1877 and is headquartered in Lebanon, Ohio. It owns assets of $1 billion as well as $1 billion in deposits, classifying it as a medium-size bank. LCNB National Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, LCNB National Bank is a respectable bank that gets the job done, with a rating of 4.1 stars out of 5 from our experts. LCNB National Bank offers a complete selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. LCNB National Bank has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, the bank's standard checking account does not have a monthly charge. Finding an institution with no-fee checking as well as a high savings APY is the best bet for accruing the most income on your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.06%, LCNB National Bank ranks poorly compared to the national average. LCNB National Bank's one-year CD has a rate of 0.60% and the five-year CD earns at a rate of 1.25%, while its highest-yielding money market account has a rate of 0.05%. Given LCNB National Bank's below average savings rate, you should consider taking a look at other banks for savings accounts.

How LCNB National Bank's Savings Rates Compare

LCNB National Bank Savings 0.06 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, LCNB National Bank charges its customers low fees in comparison to the average U.S. bank. LCNB National Bank's checking account has no monthly fee, making it excellent for anyone looking for a simple account. Also, LCNB National Bank has an overdraft fee of $35.00, which is on par with the national average. LCNB National Bank unfortunately does not refund out-of-network ATM fees, meaning you'll have to locate a LCNB National Bank ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

LCNB National Bank is a brick-and-mortar bank, with 36 total bank locations in Ohio. It also offers access to mobile and web apps for easy access and banking on the go. LCNB National Bank receives unsatisfactory marks from customers for its mobile platform. The LCNB National Bank mobile app has been given a 3.4 out of 5 (out of 59 ratings on iOS and Android) compared to the national average of 3.8. LCNB National Bank's mobile app allows you to manage your accounts by reviewing account balances, sending and receiving money as well as accessing customer service. LCNB National Bank receives an excellent consumer satisfaction score based on relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 3.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

LCNB National Bank is currently a medium-size bank owning $1 billion in assets as well as $1 billion in deposits. LCNB National Bank has an excellent Texas Ratio of 1.95%, suggesting a minute chance of failure. Additionally, LCNB National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare LCNB National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.06% APY $1
Certificates of Deposit
  • 12 Month: 0.60% APY
  • 24 Month: 0.85% APY
  • 36 Month: 1.01% APY
  • 48 Month: 1.15% APY
  • 60 Month: 1.25% APY
$1000 for all terms

LCNB National Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. LCNB National Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. LCNB National Bank's CD rates are fair as compared against the national average.

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Find a LCNB National Bank Near Me

LCNB National Bank has 36 branches in the U.S.

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