LCNB CORP

For the period ended Sep 30, 2025. Filed Nov 5, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 5, 2025

LCNB$19.66-0.6%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

CONSOLIDATED CONDENSED STATEMENTS OF INCOME

(Dollars in thousands, except per share data)

Three Months Ended · Nine Months Ended
	September 30,		September 30,
	2025	2024	2025	2024
INTEREST INCOME:
Interest and fees on loans	$24,163	24,342	71,182	71,860
Dividends on equity securities:
With a readily determinable fair value	12	10	33	28
Without a readily determinable fair value	25	30	79	91
Interest on debt securities:
Taxable	1,212	1,181	3,681	3,596
Non-taxable	160	163	467	451
Other investments	733	672	2,118	2,095
TOTAL INTEREST INCOME	26,305	26,398	77,560	78,121
INTEREST EXPENSE:
Interest on deposits	6,857	9,578	21,535	27,458
Interest on short-term borrowings	1	—	3	1,116
Interest on long-term debt	1,321	1,850	4,056	5,465
TOTAL INTEREST EXPENSE	8,179	11,428	25,594	34,039
NET INTEREST INCOME	18,126	14,970	51,966	44,082
PROVISION FOR CREDIT LOSSES	211	660	426	1,313
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	17,915	14,310	51,540	42,769
NON-INTEREST INCOME:
Fiduciary income	2,588	2,097	7,014	6,137
Service charges and fees on deposit accounts	1,935	1,899	5,585	4,820
Net losses from sales of debt securities, available-for-sale	—	—	—	(214)
Bank-owned life insurance income	361	654	1,060	1,313
Net gains from sales of loans	718	1,625	2,174	2,197
Other operating income	102	132	341	163
TOTAL NON-INTEREST INCOME	5,704	6,407	16,174	14,416
NON-INTEREST EXPENSE:
Salaries and employee benefits	8,682	9,025	26,726	26,585
Equipment expenses	380	420	1,133	1,205
Occupancy expense, net	1,015	966	3,047	2,915
State financial institutions tax	432	505	1,334	1,409
Marketing	336	320	932	704
Amortization of intangibles	247	304	845	838
FDIC insurance premiums, net	359	547	1,149	1,445
Contracted services	880	807	2,609	2,435
Merger-related expenses	—	281	140	3,376
Other non-interest expense	2,814	2,212	8,606	7,772
TOTAL NON-INTEREST EXPENSE	15,145	15,387	46,521	48,684
INCOME BEFORE INCOME TAXES	8,474	5,330	21,193	8,501
PROVISION FOR INCOME TAXES	1,538	798	3,729	1,129
NET INCOME	$6,936	4,532	17,464	7,372
Earnings per common share:
Basic	$0.49	0.31	1.23	0.53
Diluted	0.49	0.31	1.23	0.53
Weighted average common shares outstanding:
Basic	14,097,414	14,018,765	14,079,519	13,676,989
Diluted	14,097,414	14,018,765	14,079,519	13,676,989

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.