LCNB National Bank

LCNB National Bank is an Ohio community bank lending to businesses in the Dayton, Cincinnati and Columbus markets. Its commercial real estate loans cover owner-occupied and investment property, for purchase, expansion, improvement or refinancing.

The bank offers conventional and SBA financing, fixed and variable rates, flexible repayment with terms up to 25 years, and says decisions are made quickly and locally. Commercial lenders are listed separately for the Cincinnati, Dayton and Columbus markets.

Other business lending includes commercial construction loans, business lines of credit, equipment financing and agricultural real estate loans, alongside business checking accounts and merchant services with point-of-sale processing provided through Celero Commerce. Wealth management, trust and investment services run through LCNB Wealth Management and a referral relationship with LPL Financial, for which the bank is paid.

The bank is a member of the FDIC, with deposits backed by the full faith and credit of the U.S. Government. Its mailing address is P.O. Box 59, Lebanon, Ohio 45036, and the client care line is 800.344.2265. Loan minimums, recourse terms and cash-out policies are not published.