LCNB CORP
For the period ended Sep 30, 2026. Filed Nov 4, 2026.
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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, 2026 · Filed Nov 4, 2026
LCNB$19.78+1.0%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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CONSOLIDATED CONDENSED BALANCE SHEETS
(Dollars in thousands)
| September 30, 2026 | December 31, 2025 | |
|---|---|---|
| Unaudited | Audited | |
| ASSETS: | ||
| Cash and due from banks | $18,447 | $18,353 |
| Interest-bearing demand deposits | 51,803 | 3,261 |
| Total cash and cash equivalents | 70,250 | 21,614 |
| Interest-bearing time deposits | 2,962 | 2,710 |
| Investment securities: | ||
| Equity securities with a readily determinable fair value, at fair value | 1,416 | 1,433 |
| Equity securities without a readily determinable fair value, at cost | 3,666 | 3,666 |
| Debt securities, available-for-sale, at fair value | 212,138 | 232,271 |
| Debt securities, held-to-maturity, at cost, net of allowance for credit losses of $11 at September 30, 2026 and December 31, 2025 | 15,676 | 16,080 |
| Federal Reserve Bank stock, at cost | 6,405 | 6,405 |
| Federal Home Loan Bank stock, at cost | 20,218 | 20,710 |
| Loans held-for-sale | 2,789 | 1,718 |
| Loans, net of allowance for credit losses of $13,322 and $13,704 at September 30, 2026 and December 31, 2025, respectively | 1,702,836 | 1,691,827 |
| Premises and equipment, net | 39,912 | 39,196 |
| Operating lease right-of-use assets | 6,088 | 6,475 |
| Goodwill | 90,310 | 90,310 |
| Core deposit and other intangibles, net | 8,115 | 9,271 |
| Bank-owned life insurance | 56,522 | 55,424 |
| Interest receivable | 8,268 | 7,968 |
| Other assets, net | 34,229 | 33,691 |
| TOTAL ASSETS | $2,281,800 | $2,240,769 |
| LIABILITIES: | ||
| Deposits: | ||
| Noninterest-bearing | $445,670 | 466,094 |
| Interest-bearing | 1,436,846 | 1,374,261 |
| Total deposits | 1,882,516 | 1,840,355 |
| Long-term debt | 70,000 | 104,428 |
| Subordinated debentures | 24,406 | — |
| Operating lease liabilities | 6,514 | 6,877 |
| Accrued interest and other liabilities | 16,146 | 15,180 |
| TOTAL LIABILITIES | $1,999,582 | $1,966,840 |
| COMMITMENTS AND CONTINGENT LIABILITIES | — | — |
| SHAREHOLDERS' EQUITY: | ||
| Preferred shares – no par value, authorized 1,000,000 shares, none outstanding | $— | — |
| Common shares – no par value; authorized 19,000,000 shares; issued 17,478,582 and 17,409,085 shares at September 30, 2026 and December 31, 2025, respectively; outstanding 14,262,125 and 14,193,577 shares at September 30, 2026 and December 31, 2025, respectively | 189,133 | 188,212 |
| Retained earnings | 161,781 | 151,938 |
| Treasury shares at cost, 3,216,457 and 3,215,508 shares at September 30, 2026 and December 31, 2025, respectively | (56,087) | (56,071) |
| Accumulated other comprehensive loss, net of taxes | (12,609) | (10,150) |
| TOTAL SHAREHOLDERS' EQUITY | $282,218 | $273,929 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | $2,281,800 | $2,240,769 |
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