LCNB Corporation - Asset Resilience Ratio

Latest as of June 2026: 9.70%

LCNB Corporation (LCNB) has an Asset Resilience Ratio of 9.70% as of June 2026. 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. See LCNB Corporation (LCNB) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$215.77 Million

Cash + Short-term Investments

Total Assets

$2.22 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (1999–2025)

This chart shows how LCNB Corporation's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see how large is LCNB Corporation's balance sheet.

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. Explore LCNB Corporation long-term investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$215.77 Million	9.7%
Total Liquid Assets	$215.77 Million	9.70%

Asset Resilience Insights

Limited Liquidity: LCNB Corporation maintains only 9.70% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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

$273.84 Million

Market Cap Rank

#15322 Global

#3621 in USA

Share Price

$19.21

Change (1 day)

-1.34%

52-Week Range

$14.35 - $20.98

All Time High

$20.98