[8-K] LCNB Corporation Reports Material Event

Rhea-AI Filing Summary

Form 8-K filing: On 22-Jul-2025 Waterstone Financial, Inc. (WSBF) furnished an Item 2.02 Current Report. The company states that it issued a press release announcing financial results for the quarter and year ended 30-Jun-2025. That release is provided as Exhibit 99.1 and incorporated here by reference, but the filing itself contains no quantitative figures.

No other items were reported; Item 9.01 lists Exhibit 99.1 and the Inline XBRL cover file. Because the information is “furnished” rather than “filed,” it is not automatically incorporated into registration statements. Investors must review Exhibit 99.1 for revenue, earnings, margin or guidance details.

Insights

Financial Analyst

TL;DR: 8-K only forwards an earnings press release; no numbers provided, so market impact can’t yet be gauged.

The filing is procedural: Waterstone is complying with SEC rules by furnishing its Q2/FY25 results via Exhibit 99.1. Without revenue, EPS or guidance data, investors cannot evaluate performance, margin trends or capital levels. Impact will depend entirely on the undisclosed figures in the press release. Absent that data, the event is neutral and routine.

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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): July 22, 2025

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 Stock, No Par Value		LCNB		NASDAQ

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 2.02 Results of Operations and Financial Condition.

On July 22, 2025, LCNB Corp. issued an earnings release announcing its financial results for the six months ended June 30, 2025. A copy of the earnings release (Exhibit 99.1) and unaudited financial highlights (Exhibit 99.2) are attached and are furnished under this Item 2.02.

Item 7.01 Regulation FD Disclosure.

On July 22, 2025, LCNB Corp. issued an earnings release announcing its financial results for the six months ended June 30, 2025. A copy of the earnings release (Exhibit 99.1) and unaudited financial highlights (Exhibit 99.2) are attached and are furnished under this Item 7.01.

Item 9.01 Financial Statements and Exhibits.

(d)    Exhibits.

Exhibit No.        Description

99.1    Earnings Press Release Dated July 22, 2025

99.2    Unaudited Financial Highlights

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: July 22, 2025	By: /s/ Robert C. Haines II
		Robert C. Haines II Chief Financial Officer

FAQ

When did Waterstone Financial (WSBF) file this Form 8-K?

The report is dated and was filed on July 22, 2025.

Which 8-K item was triggered by Waterstone Financial?

Item 2.02 – Results of Operations and Financial Condition.

Where can investors find WSBF’s actual Q2/FY25 financial numbers?

The quantitative results are contained in Exhibit 99.1, the press release furnished with the 8-K.

What exhibit numbers are included in this filing?

99.1 (press release) and 104 (cover page Inline XBRL data file).

On which exchange does WSBF trade and under what symbol?

Waterstone Financial’s common stock trades on The NASDAQ Stock Market LLC under the symbol WSBF.