LCNB Corporation - Asset Resilience Ratio
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. Read total liabilities of LCNB Corporation for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1999–2025)
This chart shows how LCNB Corporation's Asset Resilience Ratio has changed over time. See LCNB book value for net asset value and shareholders' equity analysis.
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 stock valuation.
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 |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
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 | -- |
About LCNB Corporation
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates. It also provides commercial and industrial, commercial and residential real estate, agricultural, construction, various types of consumer, and smal… Read more