LCNB CORP

For the period ended Mar 31, 2026. Filed May 6, 2026.

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.

Mar 31, 2026 · Filed May 6, 2026

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
	March 31,
	2026	2025
INTEREST INCOME:
Interest and fees on loans	$23,433	23,181
Dividends on equity securities:
With a readily determinable fair value	11	10
Without a readily determinable fair value	26	29
Interest on debt securities:
Taxable	1,196	1,256
Non-taxable	146	146
Other investments	618	694
TOTAL INTEREST INCOME	25,430	25,316
INTEREST EXPENSE:
Interest on deposits	5,281	7,559
Interest on short-term borrowings	46	1
Interest on long-term debt	1,256	1,457
TOTAL INTEREST EXPENSE	6,583	9,017
NET INTEREST INCOME	18,847	16,299
PROVISION FOR CREDIT LOSSES	2,339	197
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	16,508	16,102
NON-INTEREST INCOME:
Fiduciary income	2,539	2,164
Service charges and fees on deposit accounts	1,485	1,766
Bank-owned life insurance income	359	346
Net gains from sales of loans	200	841
Other operating income	110	105
TOTAL NON-INTEREST INCOME	4,693	5,222
NON-INTEREST EXPENSE:
Salaries and employee benefits	9,467	9,172
Equipment expenses	392	382
Occupancy expense, net	1,021	1,010
State financial institutions tax	447	453
Marketing	294	315
Amortization of intangibles	225	297
FDIC insurance premiums, net	275	410
Computer maintenance and supplies	405	380
Contracted services	979	870
Other non-interest expense	2,375	2,520
TOTAL NON-INTEREST EXPENSE	15,880	15,809
INCOME BEFORE INCOME TAXES	5,321	5,515
PROVISION FOR INCOME TAXES	877	906
NET INCOME	$4,444	4,609
Earnings per common share:
Basic	$0.31	0.33
Diluted	0.31	0.33
Weighted average common shares outstanding:
Basic	14,125,191	14,051,310
Diluted	14,125,191	14,051,310

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.