Every 10-Q that Lcnb Corp (LCNB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow LCNB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full LCNB filings page.
LCNB Corp. reported Q2 2026 net income of $7,494 (dollars in thousands), up from $5,919 in Q2 2025. Six‑month net income was $11,938 versus $10,528, with basic and diluted earnings per share of $0.53 for the quarter and $0.84 year‑to‑date.
Net interest income for Q2 2026 rose to $19,791 from $17,541 as interest expense declined to $6,541 from $8,398, while the provision for credit losses increased to $276 from $18. Non‑interest income was $5,353 and non‑interest expense $15,675, producing income before income taxes of $9,193.
At June 30, 2026, total assets were $2,223,715, including gross loans of $1,699,569, an allowance for credit losses on loans of $13,606, and net loans of $1,685,963. Available‑for‑sale debt securities totaled $215,769. Deposits were $1,819,186, long‑term debt $103,836, and shareholders’ equity $280,617 with 14,254,091 common shares outstanding.
Credit metrics showed non‑accrual loans of $5,751, or 0.34% of total loans, and an allowance for credit losses on loans equal to 0.80% of total loans. Off‑balance‑sheet credit commitments were $305,351, and the company recognized low‑income housing tax credits and other tax benefits that reduced its effective tax rate to 18.5% for Q2 2026.
LCNB Corp. reported first-quarter 2026 net income of $4.4 million, slightly below $4.6 million a year earlier, as higher credit costs offset stronger core banking income. Net interest income rose to $18.8 million from $16.3 million, helped by lower interest expense on deposits and debt.
The provision for credit losses increased sharply to $2.3 million from $0.2 million, driven by higher net charge-offs of $2.8 million, mainly in commercial and overdraft categories. Total loans were $1.70 billion and deposits $1.84 billion, both roughly stable since year-end. The allowance for credit losses on loans stood at $13.4 million, or 0.79% of total loans.
Total assets were $2.24 billion, with available-for-sale debt securities of $228.8 million and continued unrealized losses, though other comprehensive income improved versus last year. Basic and diluted earnings per share were $0.31, compared with $0.33 in the prior-year quarter.
LCNB Corp. reported stronger results for the quarter ended September 30, 2025. Net income rose to $6.936M from $4.532M a year ago, with EPS of $0.49 versus $0.31. Net interest income improved to $18.126M as interest expense declined to $8.179M. The provision for credit losses was $0.211M, down from $0.660M.
Non‑interest income was $5.704M compared to $6.407M last year, while non‑interest expense held steady at $15.145M. For the nine months, net income reached $17.464M (up from $7.372M), aided by lower deposit and debt costs and modest credit provisioning.
On the balance sheet, total assets were $2.244B (vs. $2.307B at December 31, 2024). Deposits were $1.849B, loans net were $1.667B, and long‑term debt decreased to $104.717M. Accumulated other comprehensive loss narrowed to $11.419M. The company paid a quarterly dividend of $0.22 per share. Shares outstanding were 14,186,204 as of September 30, 2025; 14,186,645 were outstanding as of November 3, 2025.