LCNB Corp sets 2027 wealth leadership transition

LCNB Corp. details a planned 2027 retirement of its Chief Wealth Officer and a structured succession for leadership of its growing wealth management business.

Rhea-AI Filing Summary

LCNB Corp. (LCNB) reported a planned leadership transition in its wealth management business. Michael R. Miller, Executive Vice President and Chief Wealth Officer, will retire from both LCNB Corp. and LCNB National Bank effective March 31, 2027. Under his leadership, LCNB Wealth’s assets under management grew from approximately $457 million at year-end 2016 to approximately $1.68 billion at June 30, 2026. As part of the succession plan, Joshua A. Shapiro has been promoted to Director of LCNB Wealth and, effective January 1, 2027, will assume day-to-day responsibility for the Wealth Group, including Trust and Investment Services, reporting to Bradley A. Ruppert, Executive Vice President and Chief Investment Officer, who will provide executive leadership and oversight of the Wealth Group.

Positive

• Wealth assets under management grew to $1.68 billion by June 30, 2026, from approximately $457 million at year-end 2016 under Michael Miller’s leadership, indicating substantial expansion of LCNB’s wealth management platform.
• LCNB outlines a clear succession plan, promoting Joshua Shapiro to Director of LCNB Wealth and assigning executive oversight to Bradley Ruppert, supporting continuity for the Wealth Group’s clients and operations.

Negative

• LCNB announces the planned retirement of its EVP and Chief Wealth Officer, Michael R. Miller, effective March 31, 2027, marking the departure of a long-tenured leader closely associated with the Wealth Group’s growth.

8-K Event Classification

2 items: 5.02, 9.01

2 items

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers Governance

Key personnel changes including departures, elections, or appointments of directors and executive officers.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Assets under management, LCNB Wealth: $457 million Assets under management, LCNB Wealth: $1.68 billion Retirement effective date: March 31, 2027 +4 more

7 metrics

Assets under management, LCNB Wealth $457 million Approximate assets under management at year-end 2016

Assets under management, LCNB Wealth $1.68 billion Approximate assets under management at June 30, 2026

Retirement effective date March 31, 2027 Effective date of Michael R. Miller’s retirement from LCNB Corp. and LCNB National Bank

Wealth leadership transition date January 1, 2027 Date Joshua A. Shapiro assumes day-to-day responsibility for LCNB’s Wealth Group

Experience of Joshua A. Shapiro More than 25 years Legal, trust and wealth management experience cited for the new Director of LCNB Wealth

Tenure of Bradley A. Ruppert at LCNB Wealth 18 years Time Bradley Ruppert has been with LCNB Wealth before assuming oversight of the Wealth Group

Year LCNB National Bank founded 1877 Founding year of LCNB National Bank, the Company’s banking subsidiary

Key Terms

assets under management, wealth management, fiduciary services, trust and investment services, +1 more

5 terms

assets under management financial

"LCNB Wealth has nearly quadrupled, with assets under management increasing"

Assets under management (AUM) is the total value of all the investments that a financial company or fund is responsible for overseeing on behalf of its clients. It’s like a big bucket that shows how much money the firm is managing for people or organizations. A higher AUM often indicates a larger, more trusted company, and it can influence how much money they earn and the services they can offer.

wealth management financial

"leading the Company’s trust, investment and wealth management activities"

Wealth management is a professional service that helps people organize, grow and protect their money by combining investment advice with tax planning, retirement preparation and long-range financial planning into a single, ongoing strategy. Think of it as a personal financial coach and project manager who coordinates specialists and choices to meet life goals. For investors, it matters because it aligns investments with objectives, manages risk and seeks better after-tax outcomes over time.

fiduciary services financial

"His experience includes trust and estate administration, financial and estate planning, fiduciary services"

Fiduciary services are professional duties where a person or firm legally and ethically must act in the best financial interest of a client—like a trusted guardian managing someone’s money rather than promoting what’s best for themselves. For investors this matters because fiduciaries must avoid conflicts, disclose fees and prioritize client outcomes, which can lower the risk of harmful advice, reduce hidden costs and increase confidence in how assets are managed.

trust and investment services financial

"including Trust and Investment Services, reporting to Mr. Ruppert"

financial holding company financial

"LCNB Corp. is a financial holding company headquartered in Lebanon, Ohio"

A financial holding company is a parent firm that owns and oversees banks and other financial businesses, such as lending, insurance, or investment services. It matters to investors because it bundles several money-making activities under one roof—like a parent managing several children—so returns, risks, and regulatory rules for banking apply to the whole group; trouble in one unit can affect the company’s profits, capital needs, and dividends.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What leadership change did LCNB (LCNB) announce in its Wealth business?

LCNB announced that Michael R. Miller, EVP and Chief Wealth Officer, will retire from both LCNB Corp. and LCNB National Bank effective March 31, 2027, as part of a planned leadership transition for its Wealth Group.

How have LCNB (LCNB) Wealth assets under management changed under Michael Miller?

LCNB states that LCNB Wealth’s assets under management increased from approximately $457 million at year-end 2016 to approximately $1.68 billion at June 30, 2026 during Michael Miller’s tenure as Chief Wealth Officer.

Who will lead LCNB (LCNB) Wealth after Michael Miller’s retirement?

Following Michael Miller’s retirement, Bradley A. Ruppert, Executive Vice President and Chief Investment Officer, will provide executive leadership and oversight of the Wealth Group, while Joshua A. Shapiro will handle day-to-day responsibility.

What role will Joshua A. Shapiro have at LCNB (LCNB)?

Joshua A. Shapiro has been promoted to Director of LCNB Wealth. Effective January 1, 2027, he will assume day-to-day responsibility for LCNB’s Wealth Group, including Trust and Investment Services, reporting to Bradley Ruppert.

When will LCNB (LCNB) implement its Wealth Group leadership transition?

LCNB explains that Joshua Shapiro’s day-to-day leadership of the Wealth Group becomes effective January 1, 2027, and Michael Miller’s retirement from the Company and the Bank is effective March 31, 2027.

What experience does Joshua A. Shapiro bring to his new role at LCNB (LCNB)?

LCNB notes that Joshua Shapiro has more than 25 years of legal, trust and wealth management experience, has been with LCNB since 2016, and previously held trust and wealth management leadership roles at other financial institutions and practiced law.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/17/2026 - 04:01 PM Accepted by SEC EDGAR 09/17/2026 - 04:01 PM Learn about SEC filing dates

false 0001074902 0001074902 2026-09-17 2026-09-17

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

___________________

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): September 17, 2026

LCNB CORP.

(Exact name of Registrant as specified in its Charter)

Ohio		001-35292	31-1626393
(State or other jurisdiction of incorporation)		(Commission File No.)	(IRS Employer Identification Number)

2 North Broadway, Lebanon, Ohio	45036
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (513) 932-1414

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common shares, no par value	LCNB	NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company                  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.                  ☐

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

(b)         On September 17, 2026, LCNB Corp. (“LCNB”) announced that Michael R. Miller, EVP and Chief Wealth Officer, will retire from both LCNB National Bank (the “Bank”) and LCNB Corp. effective March 31, 2027. A copy of the related press release is filed with this report as Exhibit 99.1 and incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

(d)         Exhibits.

Exhibit No.         Description

99.1	Press Release dated September 17, 2026
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

							LCNB CORP.
Date: September 17, 2026							By: /s/ Andrew Wallace
								Andrew Wallace Chief Financial Officer

Exhibit 99.1

Press Release
P.O. Box 59 Lebanon, OH 45036
Company Contact:	Investor and Media Contact:
Eric J. Meilstrup Chief Executive Officer LCNB National Bank (513) 932-1414 Shareholderrelations@lcnb.com	Andrew M. Berger Managing Director SM Berger & Company, Inc. (216) 464-6400 andrew@smberger.com

LCNB Corp. Announces Retirement of Michael R. Miller,

EVP and Chief Wealth Officer

Michael R. Miller to retire on March 31, 2027

Joshua A. Shapiro promoted to Director of LCNB Wealth

LEBANON, Ohio – September 17, 2026 -- LCNB Corp. (NASDAQ: LCNB) (the “Company”), the holding company for LCNB National Bank (the “Bank”), today announced that Michael R. Miller, EVP and Chief Wealth Officer, will retire from his positions with both the Company and the Bank effective March 31, 2027.

“Mike has made tremendous contributions to LCNB, our Wealth business and, most importantly, to the clients we serve,” said Eric Meilstrup, Chief Executive Officer of LCNB Corp. “Under his leadership, LCNB Wealth has nearly quadrupled, with assets under management increasing from approximately $457 million at year-end 2016 to approximately $1.68 billion at June 30, 2026. Mike has also been deeply committed to developing the people around him and building a strong wealth and trust organization at LCNB. On behalf of everyone at the Company, we thank Mike for his many contributions and wish him all the best in his retirement.”

Mr. Miller, J.D., CFP®, joined LCNB in 2017 and has served as EVP and Chief Wealth Officer, leading the Company’s trust, investment and wealth management activities. He has over 40 years of experience in trust, legal, and financial service matters. During his tenure at LCNB, he has overseen the significant expansion of LCNB Wealth and played an important role in developing the team that will lead the business following his retirement.

LCNB Wealth Leadership Transition

As part of a planned leadership transition, Joshua A. Shapiro, J.D., was recently promoted to Director of LCNB Wealth. Following Mr. Miller’s retirement, Bradley A. Ruppert, CFA, Executive Vice President and Chief Investment Officer, who has been with LCNB Wealth for 18 years, will provide executive leadership and oversight of the Wealth Group. Effective January 1, 2027, Mr. Shapiro will assume day-to-day responsibility for LCNB’s Wealth Group, including Trust and Investment Services, reporting to Mr. Ruppert.

Mr. Meilstrup continued, “Mike and Brad have done an outstanding job preparing for this transition by developing and attracting a deep bench of talented and skilled professionals across LCNB Wealth. I look forward to Brad’s continued leadership as we further expand LCNB’s wealth platform. Josh has been an important member of our team for more than 10 years. His experience, deep client relationships and understanding of our business make him exceptionally well suited to help lead LCNB Wealth into its next chapter. Together with Brad’s continued leadership and investment expertise, we believe we have a strong leadership structure in place that will provide continuity for our clients and employees while positioning the business for continued growth.”

Mr. Shapiro brings more than 25 years of legal, trust and wealth management experience and has been with LCNB since 2016, most recently serving as Senior Vice President and Trust Officer. Prior to joining LCNB, he held trust and wealth management leadership positions with Stock Yards Bank & Trust Company and First Financial Bank and previously practiced law with Taft Stettinius & Hollister. His experience includes trust and estate administration, financial and estate planning, fiduciary services and client relationship management. Mr. Shapiro earned his J.D. from Indiana University School of Law and his bachelor’s degree, cum laude and Phi Beta Kappa, from the University of Cincinnati.

For more information on LCNB Trust Services, visit https://www.lcnb.com/trust.

About LCNB Corp.

LCNB Corp. is a financial holding company headquartered in Lebanon, Ohio. Through its subsidiary, LCNB National Bank (the “Bank”), founded in 1877, it serves customers and communities in Southwest and South-Central Ohio. A financial institution with a long tradition for building strong relationships with customers and communities, the Bank offers convenient banking locations in Butler, Clermont, Clinton, Fayette, Franklin, Hamilton, Montgomery, Preble, Ross, and Warren Counties, Ohio. The Bank continually strives to exceed customer expectations and provides an array of services for all personal and business banking needs including checking, savings, online banking, personal lending, business lending, agricultural lending, business support, deposit and treasury, investment services, and wealth management services. LCNB Corp. common shares are traded on the NASDAQ Capital Market Exchange® under the symbol “LCNB.”

Learn more about LCNB Corp. at www.lcnb.com

Filing Exhibits & Attachments

5 documents

Press Releases

• EX-99.1 EXHIBIT 99.1 - PRESS RELEASE DATED SEPTEMBER 17, 2026 11.1 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA 3.5 KB
• EX-101 XBRL TAXONOMY EXTENSION DEFINITION LINKBASE 11.2 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE 15.0 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE 11.3 KB