GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
83
2010–2025
Total Volume
$48M
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
83 total segments
Most active in Ohio (83% of deals) and focuses heavily on physician & dental offices (22% of deals).
With a median 7(a) spread of P + 2.34%, LCNB NATIONAL BANK prices well above the national median of P + 2.00% — worth comparing against specialists in your industry.
Physician & Dental Offices makes up 22% of LCNB NATIONAL BANK's deals — 8.1x the national average. This is a clear specialist, not a generalist who happens to do some physician & dental offices lending.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 45 504 loans, which use fixed SBA debenture rates.
States where LCNB NATIONAL BANK has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Physician & Dental Offices
Health Care & Social Assistance
Manufacturing
Manufacturing
Finance & Insurance
Finance & Insurance
Real Estate
Real Estate
Legal Services
Professional Services
Wholesale Trade
Wholesale Trade
Hotels & Accommodation
Accommodation & Food Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for LCNB NATIONAL BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Ohio · Manufacturing · Under $150K | 504 | 3 | — | $87K | Q4 2014 |
| Ohio · Wholesale Trade · Under $150K | 7(a) | 3 | P+2.75% | $100K | Q1 2016 |
| Ohio · Legal Services · Under $150K | 7(a) | 3 | P+1.25% | $117K | Q2 2015 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 3 | P+2.50% | $250K | Q4 2010 |
| Ohio · Physician & Dental Offices · $500K – $1M | 504 | 2 | — | $798K | Q3 2021 |
| Ohio · Physician & Dental Offices · $150K – $350K | 504 | 2 | — | $239K | Q1 2011 |
| Ohio · Other Professional Services · $150K – $350K | 504 | 2 | — | $210K | Q3 2016 |
| Ohio · Finance & Insurance · Under $150K | 504 | 2 | — | $104K | Q4 2016 |
| Texas · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.75% | $38K | Q3 2014 |
| Ohio · Manufacturing · Under $150K | 7(a) | 2 | P+2.50% | $93K | Q4 2013 |
| Ohio · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.38% | $86K | Q3 2015 |
| Ohio · Finance & Insurance · $500K – $1M | 504 | 2 | — | $619K | Q2 2019 |
| Ohio · Manufacturing · $150K – $350K | 504 | 2 | — | $202K | Q4 2020 |
| Ohio · Finance & Insurance · $350K – $500K | 504 | 2 | — | $453K | Q3 2022 |
| Kentucky · Other Repair & Services · $1M – $2M | 504 | 1 | — | $1.3M | Q4 2020 |
| Ohio · Engineering & Architecture · $350K – $500K | 504 | 1 | — | $373K | Q3 2015 |
| Ohio · Management & IT Consulting · $500K – $1M | 504 | 1 | — | $630K | Q3 2017 |
| Ohio · Social Assistance · Under $150K | 504 | 1 | — | $94K | Q1 2023 |
| Ohio · Education · $150K – $350K | 504 | 1 | — | $249K | Q2 2015 |
| Ohio · Hotels & Accommodation · $500K – $1M | 504 | 1 | — | $670K | Q4 2012 |
| Kentucky · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $3.3M | Q3 2016 |
| Ohio · Restaurants & Food Service · Under $150K | 504 | 1 | — | $69K | Q3 2016 |
| Ohio · Manufacturing · $500K – $1M | 504 | 1 | — | $661K | Q3 2014 |
| Ohio · Manufacturing · $5M+ | 504 | 1 | — | $5.5M | Q2 2022 |
| Ohio · Real Estate · Under $150K | 504 | 1 | — | $147K | Q2 2019 |
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Real experiences from borrowers who closed SBA loans with LCNB NATIONAL BANK.
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