L
LCNB CORP
Period
FY 2025
Revenue
—
Net Income
$23.12M
Total Assets
$2.24B
Equity
$273.93M
Shares Out
14.25M
Op. Cash Flow
$34.40M
Business
LCNB Corp. is a financial holding company and bank providing commercial and consumer lending, deposit services, and wealth management. The Bank offers commercial & industrial loans, real estate loans, agricultural loans, consumer loans, residential mortgages, home equity lines of credit, trust administration, investment management, and brokerage services through LPL Financial. LCNB operates 35 branches across ten Ohio counties and northern Kentucky, competing through community banking, personal service, and technology investments.
Summary from 10-K filed 2026-03-11
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | 94 | 96 | 72 | 59 | 56 | |
| With a readily determinable fair value | 43,000 | 38,000 | 43,000 | 56,000 | 51,000 | |
| Without a readily determinable fair value | 130,000 | 146,000 | 132,000 | 29,000 | — | |
| Taxable | 5 | 5 | 5 | 5 | 4 | |
| Non-taxable | 625,000 | 607,000 | 688,000 | 753,000 | 864,000 | |
| Other investments | 3 | 3 | 2 | 641,000 | 431,000 | |
| TOTAL INTEREST INCOME | 103 | 105 | 80 | 66 | 61 | |
| Interest on deposits | 27 | 36 | 17 | 4 | 4 | |
| Interest on short-term borrowings | 3,000 | 1 | 4 | 416,000 | 6,000 | |
| Interest on long-term debt | 5 | 7 | 3 | 613,000 | 469,000 | |
| TOTAL INTEREST EXPENSE | 33 | 44 | 23 | 5 | — | |
| NET INTEREST INCOME | 70 | 61 | 56 | 61 | 57 | |
| PROVISION FOR CREDIT LOSSES | 2 | 2 | 2 | 250,000 | — | |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 68 | 59 | 54 | 61 | 57 | |
| Net losses on sales of debt securities, available-for-sale | 0 | −214,000 | 0 | 0 | 303,000 | |
| Bank owned life insurance income | 1 | 2 | 1 | 1 | 1 | |
| Net gains from sales of loans | 3 | 3 | 697,000 | 196,000 | 852,000 | |
| Other operating income | 501,000 | 316,000 | 631,000 | 360,000 | 1 | |
| TOTAL NON-INTEREST INCOME | 22 | 20 | 15 | 14 | 16 | |
| Salaries and employee benefits | 35 | 35 | 29 | 28 | 28 | |
| Equipment expenses | 2 | 2 | 2 | 2 | 2 | |
| Occupancy expense, net | 4 | 4 | 3 | 3 | 3 | |
| State financial institutions tax | 2 | 2 | 2 | 2 | 2 | |
| Marketing | 1 | 1 | 1 | 1 | 1 | |
| Amortization of core deposit intangibles | 1 | 1 | 532,000 | 478,000 | 1 | |
| FDIC insurance premiums, net | 1 | 2 | 932,000 | 530,000 | 492,000 | |
| Computer maintenance and supplies | 2 | 1 | 1 | 1 | 1 | |
| Contracted services | 4 | 3 | 3 | 3 | 2 | |
| Merger-related expenses | 140,000 | 3 | 5 | 0 | 0 | |
| Other non-interest expense | 10 | 9 | 7 | 8 | 6 | |
| TOTAL NON-INTEREST EXPENSE | 62 | 63 | 54 | 48 | 48 | |
| INCOME BEFORE INCOME TAXES | 28 | 16 | 15 | 27 | 26 | |
| Income Tax Expense (Benefit) | 5 | 2 | 3 | 5 | 5 | |
| NET INCOME | 23 | 13 | 13 | 22 | 21 | |
| Basic (in dollars per share) | 1.63 | 0.97 | 1.1 | 1.93 | 1.66 | |
| Diluted (in dollars per share) | 1.63 | 0.97 | 1.1 | 1.93 | 1.66 | |
| Basic (in shares) | 14 | 14 | 11 | 11 | 13 | |
| Diluted (in shares) | 14 | 14 | 11 | 11 | 13 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 18 | 20 | 27 | 20 | 17 | |
| Interest-bearing demand deposits | 3 | 15 | 12 | 2 | 1 | |
| Total cash and cash equivalents | 22 | 36 | 40 | 23 | 18 | |
| Interest-bearing time deposits | 3 | 250,000 | 0 | — | — | |
| Equity securities with a readily determinable fair value, at fair value | 1 | 1 | 1 | 2 | 3 | |
| Equity securities without a readily determinable fair value, at cost | 4 | 4 | 4 | 2 | 2 | |
| Debt securities, available-for-sale, at fair value | 232 | 258 | — | — | — | |
| Debt securities, held-to-maturity, at cost, net of allowance for credit losses of $11 and $5 at December 31, 2025 and December 31, 2024, respectively | 16 | 16 | — | — | — | |
| Federal Reserve Bank stock, at cost | 6 | 6 | 5 | 5 | 5 | |
| Federal Home Loan Bank stock, at cost | 21 | 21 | 15 | 4 | 5 | |
| Loans held-for-sale | 2 | 6 | 0 | — | — | |
| Loans, net of allowance for credit losses of $13,704 and $12,001 at December 31, 2025 and December 31, 2024, respectively | 1,692 | 1,710 | 1,713 | 1,396 | — | |
| Premises and equipment, net | 39 | 41 | 36 | 33 | 35 | |
| Operating lease right-of-use assets | 6 | 6 | 6 | 7 | 6 | |
| Goodwill | 90 | 90 | 80 | 59 | 59 | |
| Core deposit and other intangibles, net | 9 | 11 | 9 | 2 | 2 | |
| Bank-owned life insurance | 55 | 54 | 50 | 44 | 43 | |
| Interest Receivable | 8 | 9 | 8 | 7 | 8 | |
| Other Assets | 34 | 38 | 31 | 26 | 21 | |
| TOTAL ASSETS | 2,241 | 2,307 | 2,292 | 1,919 | 1,904 | |
| Noninterest-bearing | 466 | 460 | 462 | 506 | 502 | |
| Interest-bearing | 1,374 | 1,419 | 1,362 | 1,099 | 1,127 | |
| Total deposits | 1,840 | 1,878 | 1,824 | 1,605 | 1,629 | |
| Short-term borrowings | 0 | 0 | 97 | 71 | 0 | |
| Long-term debt | 104 | 155 | 113 | — | — | |
| Operating lease liabilities recognized | 7 | 6 | 6 | 7 | 6 | |
| Accrued interest and other liabilities | 15 | 15 | 15 | 17 | 20 | |
| TOTAL LIABILITIES | 1,967 | 2,054 | 2,056 | 1,719 | 1,665 | |
| COMMITMENTS AND CONTINGENT LIABILITIES | — | — | — | 0 | 0 | |
| Preferred shares no par value, authorized 1,000,000 shares, none outstanding | 0 | 0 | 0 | 0 | 0 | |
| Common shares no par value; authorized 19,000,000 shares; issued 17,409,085 and 17,329,423 shares at December 31, 2025 and December 31, 2024, respectively; outstanding 14,193,577 and 14,118,040 shares at December 31, 2025 and December 31, 2024, respectively | 188 | 187 | 174 | 144 | 143 | |
| Retained earnings | 152 | 141 | 140 | 139 | 126 | |
| Treasury shares at cost, 3,215,508 and 3,211,383 shares at December 31, 2025 and December 31, 2024, respectively | −56 | −56 | −56 | — | — | |
| Accumulated other comprehensive loss, net of taxes | −10 | −19 | −22 | −30 | −2 | |
| TOTAL SHAREHOLDERS' EQUITY | 274 | 253 | 235 | 201 | 239 | |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 2,241 | 2,307 | 2,292 | 1,919 | 1,904 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation, Amortization and Accretion, Net | 668,000 | 604,000 | 3 | 3 | 3 | |
| Deferred income tax provision (benefit) | 3 | 2 | −323,000 | −345,000 | 294,000 | |
| Increase in cash surrender value of bank owned life insurance | −1 | −1 | −1 | −1 | −1 | |
| Bank-owned life insurance benefits in excess of cash surrender value | 0 | −306,000 | 0 | 0 | — | |
| Realized and unrealized (gains) losses from equity securities, net | −30,000 | 9,000 | 5,000 | 292,000 | −141,000 | |
| Realized gains from sales of premises and equipment, net | 0 | −455,000 | −422,000 | 455,000 | −6,000 | |
| Origination of mortgage loans for sale | −99 | −144 | −4 | −9 | −34 | |
| Realized gains from sales of loans | −3 | −4 | −697,000 | −196,000 | — | |
| Proceeds from sales of originated loans | 105 | 147 | 4 | 9 | 34 | |
| Realized losses from sales of acquired loans | 0 | 484,000 | 0 | 0 | — | |
| Proceeds from sales of acquired loans | 0 | 79 | 0 | 0 | — | |
| Compensation expense related to restricted stock | 650,000 | 588,000 | 563,000 | 531,000 | 249,000 | |
| Accrued income receivable | 733,000 | −5,000 | 245,000 | 517,000 | 338,000 | |
| Other assets | 7,000 | −2 | 9 | 2 | −4 | |
| Accrued interest and other liabilities | 2 | 1 | −1 | 2 | −237,000 | |
| TOTAL ADJUSTMENTS | 11 | 80 | 11 | 7 | −3 | |
| NET CASH FLOWS PROVIDED BY (USED IN) OPERATING ACTIVITIES | 34 | 93 | 23 | 29 | 18 | |
| Proceeds from sales | 0 | 0 | 963,000 | 0 | 0 | |
| Purchases of securities | −40,000 | −36,000 | −2 | −19,000 | −16,000 | |
| Proceeds from sales | 0 | 10 | 5 | 0 | 21 | |
| Proceeds from maturities, prepayments and calls | 42 | 32 | 23 | 21 | 33 | |
| Purchases of securities | −5 | −20 | −497,000 | −39 | −162 | |
| Proceeds from maturities, prepayments and calls | 2 | 3 | 3 | 4 | 4 | |
| Purchases of securities | −1 | −3 | −280,000 | −1 | −2 | |
| Purchase of interest-bearing time deposits | −2 | −250,000 | 0 | 0 | — | |
| Proceeds from redemption of Federal Reserve Bank stock | 0 | 24,000 | 0 | 0 | 0 | |
| Purchase of Federal Reserve Bank stock | 0 | −1 | −434,000 | 0 | 0 | |
| Proceeds from redemption of Federal Home Loan Bank stock | 0 | 93,000 | 1 | 1 | 0 | |
| Purchase of Federal Home Loan Bank stock | 0 | −1 | −5 | −374,000 | 0 | |
| Net decrease (increase) in loans | 20 | 49 | −84 | −32 | −68 | |
| Proceeds from bank owned life insurance death benefits | 0 | 514,000 | 0 | 0 | 0 | |
| Purchases of premises and equipment | −959,000 | −4 | −3 | −884,000 | −2 | |
| Proceeds from sales of premises and equipment | 13,000 | 848,000 | 654,000 | 875,000 | 6,000 | |
| Cash and cash equivalents acquired, net of cash paid for acquisition | 0 | −2 | 2 | 0 | — | |
| Funding of tax credit investments | −2 | −2 | −3 | −3 | — | |
| NET CASH FLOWS PROVIDED BY (USED IN) INVESTING ACTIVITIES | 52 | 61 | −60 | −48 | −175 | |
| Net increase (decrease) in deposits | −38 | −79 | 9 | −24 | 173 | |
| Net decrease in short-term borrowings | 0 | −110 | −30 | 71 | 0 | |
| Proceeds from issuance of long-term debt | 363,000 | 50 | 95 | 15 | 0 | |
| Principal payments on long-term debt | −51 | −8 | −7 | −6 | −12 | |
| Proceeds from issuance of common stock | 625,000 | 525,000 | 428,000 | 408,000 | 434,000 | |
| Repurchase of common stock | −69,000 | 13,000 | −3 | −24 | — | |
| Cash dividends paid on common stock | −12 | −12 | −10 | −9 | −10 | |
| NET CASH FLOWS PROVIDED BY (USED IN) FINANCING ACTIVITIES | −101 | −159 | 54 | 24 | 144 | |
| NET CHANGE IN CASH AND CASH EQUIVALENTS | −14 | −4 | 17 | 5 | −14 | |
| Interest | 33 | 43 | 22 | 5 | 4 | |
| Income taxes | −83,000 | 0 | 3 | 4 | — | |
| Transfer from loans held-for-investment to held-for sale | 0 | 65 | 0 | 0 | — | |
| Transfer from loans held-for-sale to held-for-investment | 0 | 5 | 0 | 0 | — | |
| Transfer from premises and equipment to premises held-for-sale | 525,000 | 0 | 0 | — | — | |
| Right-of-use assets obtained in exchange for lease obligations | 1 | 167,000 | 0 | 370,000 | — |
Filings
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Holdings (13F)
Portfolio as of 2026-03-31 · 189 positions
Reported AUM
$297.38M
Holdings
189
Top sector
$297.38M
Top sectors
| Sector | Value | % of portfolio |
|---|---|---|
| Uncategorized | $297.38M | 100.0% |
Top holdings
| Issuer | Ticker | Shares | Value | % |
|---|---|---|---|---|
| IShares Inc. TR Core MSCI EAFE ETF | — | 252.5K | $22.86M | 7.7% |
| Schwab US Large Cap Value ETF | — | 653.2K | $19.92M | 6.7% |
| Schwab US Large Cap Growth ETF | — | 627.5K | $18.28M | 6.2% |
| Microsoft Corp. | — | 25.1K | $9.27M | 3.1% |
| Apple Inc. | — | 34.1K | $8.66M | 2.9% |
| IShares TR Russell 3000 ETF | — | 22.5K | $8.34M | 2.8% |
| Procter & Gamble Co. | — | 49.8K | $7.20M | 2.4% |
| SPDR S&P 500 Trust ETF | — | 10.5K | $6.83M | 2.3% |
| First Trust Long/Short Equity ETF | — | 90.4K | $6.36M | 2.1% |
| Alphabet Inc. | — | 21.7K | $6.25M | 2.1% |
Frequently asked questions
What is LCNB CORP's CIK number?
LCNB CORP's SEC CIK number is 0001074902 (1074902). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find LCNB CORP's SEC filings?
All of LCNB CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did LCNB CORP last report earnings?
LCNB CORP (LCNB) most recently filed an earnings 8-K with the SEC on Jul 15, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-023624). This is LCNB CORP's most recent earnings filing of record — not a forecast of its next earnings date.
What is LCNB CORP's most recent earnings 8-K?
LCNB CORP's latest earnings 8-K (Item 2.02) was filed Jul 15, 2026 under accession 0001437749-26-023624. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View LCNB CORP's latest earnings 8-K →
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