LCNB CORP

For the period ended Sep 30, 2026. Filed Nov 4, 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.

Sep 30, 2026 · Filed Nov 4, 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 · Nine Months Ended
	September 30,		September 30,
	2026	2025	2026	2025
INTEREST INCOME:
Interest and fees on loans	$24,375	24,163	72,153	71,182
Dividends on equity securities:
With a readily determinable fair value	12	12	35	33
Without a readily determinable fair value	21	25	67	79
Interest on debt securities:
Taxable	1,248	1,212	3,651	3,681
Non-taxable	143	160	433	467
Other investments	627	733	1,849	2,118
TOTAL INTEREST INCOME	26,426	26,305	78,188	77,560
INTEREST EXPENSE:
Interest on deposits	5,387	6,857	15,888	21,535
Interest on long-term debt	1,092	1,321	3,669	4,056
Interest on subordinated debentures	262	—	262	—
Interest on short-term borrowings	6	1	52	3
TOTAL INTEREST EXPENSE	6,747	8,179	19,871	25,594
NET INTEREST INCOME	19,679	18,126	58,317	51,966
PROVISION FOR CREDIT LOSSES	453	211	3,068	426
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	19,226	17,915	55,249	51,540
NON-INTEREST INCOME:
Fiduciary income	2,686	2,588	7,906	7,014
Service charges and fees on deposit accounts	1,838	1,935	5,050	5,585
Bank-owned life insurance income	372	361	1,097	1,060
Net gains from sales of loans	344	718	964	2,174
Other operating income	101	102	370	341
TOTAL NON-INTEREST INCOME	5,341	5,704	15,387	16,174
NON-INTEREST EXPENSE:
Salaries and employee benefits	9,151	8,682	27,577	26,726
Occupancy expense, net	1,060	1,015	3,074	3,047
Equipment expenses	396	380	1,126	1,133
State financial institutions tax	447	432	1,341	1,334
Marketing	227	336	836	932
Amortization of intangibles	230	247	683	845
Computer maintenance and supplies	423	372	1,262	1,131
FDIC insurance premiums, net	267	359	869	1,149
Other real estate owned, net	—	—	—	—
Contracted services	1,058	880	3,095	2,609
Merger-related expenses	—	—	—	140
Other non-interest expense	2,330	2,442	7,281	7,475
TOTAL NON-INTEREST EXPENSE	15,589	15,145	47,144	46,521
INCOME BEFORE INCOME TAXES	8,978	8,474	23,492	21,193
PROVISION FOR INCOME TAXES	1,669	1,538	4,245	3,729
NET INCOME	$7,309	6,936	19,247	17,464
Earnings per common share:
Basic	$0.51	0.49	$1.35	1.23
Diluted	$0.51	0.49	$1.35	1.23
Weighted average common shares outstanding:
Basic	14,166,380	14,097,414	14,149,959	14,079,519
Diluted	14,166,380	14,097,414	14,149,959	14,079,519

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.