LCNB CORP

For the period ended Jun 30, 2026. Filed Aug 5, 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.

Jun 30, 2026 · Filed Aug 5, 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 · Six Months Ended
	June 30,		June 30,
	2026	2025	2026	2025
INTEREST INCOME:
Interest and fees on loans	$24,345	23,838	47,778	47,019
Dividends on equity securities:
With a readily determinable fair value	12	11	23	21
Without a readily determinable fair value	20	25	46	54
Interest on debt securities:
Taxable	1,207	1,213	2,403	2,469
Non-taxable	144	161	290	307
Other investments	604	691	1,222	1,385
TOTAL INTEREST INCOME	26,332	25,939	51,762	51,255
INTEREST EXPENSE:
Interest on deposits	5,220	7,119	10,501	14,678
Interest on long-term debt	1,321	1,278	2,577	2,735
Interest on short-term borrowings	—	1	46	2
TOTAL INTEREST EXPENSE	6,541	8,398	13,124	17,415
NET INTEREST INCOME	19,791	17,541	38,638	33,840
PROVISION FOR CREDIT LOSSES	276	18	2,615	215
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	19,515	17,523	36,023	33,625
NON-INTEREST INCOME:
Fiduciary income	2,681	2,262	5,220	4,426
Service charges and fees on deposit accounts	1,727	1,884	3,212	3,650
Bank-owned life insurance income	366	353	725	699
Net gains from sales of loans	420	615	620	1,456
Other operating income	159	134	269	239
TOTAL NON-INTEREST INCOME	5,353	5,248	10,046	10,470
NON-INTEREST EXPENSE:
Salaries and employee benefits	8,959	8,872	18,426	18,044
Occupancy expense, net	993	1,022	2,014	2,032
Equipment expenses	338	371	730	753
State financial institutions tax	447	449	894	902
Marketing	315	281	609	596
Amortization of intangibles	228	301	453	598
Computer maintenance and supplies	434	379	839	759
FDIC insurance premiums, net	327	380	602	790
Contracted services	1,058	859	2,037	1,729
Merger-related expenses	—	140	—	140
Other non-interest expense	2,576	2,513	4,951	5,033
TOTAL NON-INTEREST EXPENSE	15,675	15,567	31,555	31,376
INCOME BEFORE INCOME TAXES	9,193	7,204	14,514	12,719
PROVISION FOR INCOME TAXES	1,699	1,285	2,576	2,191
NET INCOME	$7,494	5,919	11,938	10,528
Earnings per common share:
Basic	$0.53	0.41	$0.84	0.74
Diluted	0.53	0.41	0.84	0.74
Weighted average common shares outstanding:
Basic	14,157,834	14,085,764	14,141,601	14,070,417
Diluted	14,157,834	14,085,764	14,141,601	14,070,417

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.