2022 Report to LCNBs Communities

2022 LCNB community banking report

2021 Report to LCNB's Communities


LCNB National Bank holds an overall Community Reinvestment act (CRA) rating of Satisfactory, from its May 2019 assessment, the Bank’s most recent by its chief regulator, the Office of the Comptroller of the Currency (OCC). The three primary areas of assessment (lending, investment, service) all scored as High Satisfactory. LCNB makes “a good distribution of loans among individuals of different income levels, and businesses and farms of different sizes”. LCNB “has also made a relatively high level of community development (CD) loans.”

In 2021, LCNB committed $3 million in Low Income Housing Tax Credit Investments.   The Bank also made a $2.5 million investment into mortgage-backed securities that directly support low/moderate income individuals or individuals who are located in low/moderate income census tracts.

LCNB National Bank will receive another CRA assessment from the OCC during 2022. The full 2019 CRA Performance Evaluation for LCNB National Bank is available upon request.

LCNB’s CRA-qualified donations touched all 10 counties in which the Bank has branch offices. Organizations receiving these funds during 2021 included:
  • The Ohio Scholars Program of the Ohio Foundation of Independent Colleges
  • EverFi, Inc., sponsoring Financial Literacy in schools in Warren, Franklin, and Preble Counties
  • Learn To Earn
  • Mid-Ohio Foodbank
  • Habitat for Humanity
  • Junior Achievement
  • SELF (Supports to Encourage Low-Income Families)
  • Neighborhood Bridges
  • St. Mary Development Corp.
  • Camp Joy Outdoor Education Center
  • Over-The-Rhine Community Housing
  • United Way (multiple counties)
  • YMCA (multiple locations)

In addition, LCNB employees provide CRA-qualified volunteer services by providing financial expertise to community development organizations. LCNB also provides financial services to several CRA-eligible non-profits.


LCNB National Bank also traditionally supports other community organizations and causes that may not fall under CRA guidelines. These include involvements in education, the arts, law enforcement, youth athletics, public health, and fraternal organizations. Many of these organizations were not able to hold annual fund-raising events once again in 2021 due to pandemic-related restrictions, yet LCNB maintained its level of giving and involvement throughout the year.

Other support that falls outside the scope of the CRA program was provided through donations and sponsorship dollars to organizations such as:

  • American Legion (various posts)
  • Area Progress Council of Warren County
  • Artswave
  • Atrium Medical Center Foundation
  • Bethesda Foundation
  • Big Brothers Big Sisters of Butler County
  • Brookville Area Chamber of Commerce
  • Clinton County Leadership Institute
  • County Fairs (various)
  • Fairfield Community Foundation
  • Greater Chillicothe & Ross County Development
  • Goshen Youth Basketball
  • Home Builders Association of Daytone
  • Lebanon Optimist Club
  • Little Miami River Chamber Alliance
  • Montgomery County Agricultural Society
  • Ohio Hospice of Butler County
  • Oxford Chamber of Commerce
  • Performing Arts Academy
  • Preble County Arts Association
  • Preble County Council on Aging
  • Red Cross of Southern and Central Ohio
  • Ronald McDonald House Charities
  • Ross County Scholarship Funds
  • Ross County Agricultural Society
  • Rotary International (various chapters)
  • Warren County Historical Society
  • Waynesville Chamber of Commerce
  • Worthington Area Chamber of Commerce
  • Worthington Parks & Recreation

In addition to the financial support of our communities, the people of LCNB have significant involvement in organizations that make our lives more fulfilling and provide help to those who need it. Here is a sampling of the organizations on which our employees currently serve in a board-level capacity:

  • Area Progress Council of Warren County
  • Butler County Port Authority
  • Chamber of Commerce Serving Middletown, Monroe and Trenton
  • City of Loveland
  • Community Capital Development Corporation
  • Conover Health Center
  • Countryside YMCA
  • Dayton Art Institute
  • Economic Alliance of Ross County
  • Fitton Family YMCA
  • Greater Hamilton Chamber of Commerce
  • Great Miami Valley YMCA
  • Habitat for Humanity
  • Hamilton — City of Sculpture
  • Jewish Cemeteries of Greater Cincinnati
  • Junior Achievement of Middletown
  • Kiwanis of Lebanon
  • Lebanon Optimist Club
  • Middletown Community Foundation
  • Ohio Bankers League
  • Preble County Chamber of Commerce
  • Preble County Development Partnership
  • Preble County District Library
  • Preble County YMCA
  • Ross County Community Action
  • Supports to Encourage Low Income Families (SELF)
  • Sycamore Preschool
  • United Way of Butler County
  • United Way of Warren County
  • Village of Lewisburg
  • Waynesville Chamber of Commerce
  • Warren County Community Services
  • Warren County Historical Society
  • Warren County Port Authority
  • West Chester Development Council
  • Wilmington Chamber of Commerce
Further Together
We couldn’t have gotten this far without you. We can’t wait to go Further Together.

LCNB National Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.