LCNB Corporation - Asset Resilience Ratio

Latest as of December 2025: 10.37%

LCNB Corporation (LCNB) has an Asset Resilience Ratio of 10.37% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets

$232.27 Million

Cash + Short-term Investments

Total Assets

$2.24 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (1999–2025)

This chart shows how LCNB Corporation's Asset Resilience Ratio has changed over time. Check LCNB strategic asset allocation to assess the company's strategic physical and investment asset allocation.

Liquid Assets Composition Over Time

This chart breaks down LCNB Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see LCNB Corporation (LCNB) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$232.27 Million	10.37%
Total Liquid Assets	$232.27 Million	10.37%

Asset Resilience Insights

Moderate Liquidity: LCNB Corporation has 10.37% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

LCNB Corporation Industry Peers by Asset Resilience Ratio

Compare LCNB Corporation's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for LCNB Corporation (1999–2025)

The table below shows the annual Asset Resilience Ratio data for LCNB Corporation.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	10.37%	$232.27 Million	$2.24 Billion	+6.08pp
2024-12-31	4.28%	$98.86 Million	$2.31 Billion	-7.79pp
2023-12-31	12.07%	$276.60 Million	$2.29 Billion	-3.03pp
2022-12-31	15.10%	$289.85 Million	$1.92 Billion	-1.09pp
2021-12-31	16.19%	$308.18 Million	$1.90 Billion	+4.19pp
2020-12-31	12.00%	$209.47 Million	$1.75 Billion	+1.14pp
2019-12-31	10.86%	$178.00 Million	$1.64 Billion	-3.71pp
2018-12-31	14.57%	$238.42 Million	$1.64 Billion	-6.68pp
2017-12-31	21.24%	$275.21 Million	$1.30 Billion	-3.30pp
2016-12-31	24.54%	$320.66 Million	$1.31 Billion	-4.98pp
2015-12-31	29.52%	$377.98 Million	$1.28 Billion	+3.76pp
2014-12-31	25.75%	$285.37 Million	$1.11 Billion	-1.94pp
2013-12-31	27.70%	$258.24 Million	$932.34 Million	-5.08pp
2012-12-31	32.78%	$258.51 Million	$788.64 Million	+0.69pp
2011-12-31	32.09%	$254.01 Million	$791.57 Million	+32.06pp
2010-12-31	0.02%	$182.00K	$760.13 Million	-20.95pp
2008-12-31	20.97%	$136.24 Million	$649.73 Million	+6.50pp
2007-12-31	14.47%	$87.42 Million	$604.06 Million	-5.80pp
2006-12-31	20.27%	$111.14 Million	$548.22 Million	+19.92pp
2005-12-31	0.35%	$1.91 Million	$539.50 Million	-5.85pp
2004-12-31	6.20%	$32.40 Million	$522.25 Million	+1.88pp
2003-12-31	4.32%	$22.62 Million	$523.61 Million	+1.97pp
2002-12-31	2.35%	$11.93 Million	$506.75 Million	-1.80pp
2001-12-31	4.15%	$19.95 Million	$480.44 Million	-19.75pp
1999-12-31	23.90%	$104.91 Million	$438.98 Million	--

pp = percentage points

About LCNB Corporation

NASDAQ:LCNB USA Banks - Regional

Market Cap

$282.21 Million

Market Cap Rank

#16046 Global

#3777 in USA

Share Price

$19.81

Change (1 day)

-1.25%

52-Week Range

$14.32 - $20.98

All Time High

$20.98