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.
LCNB Corp. filed a Form 8-K to share information it plans to use in upcoming meetings with investors and analysts. The company is furnishing an investor presentation as Exhibit 99.1 under Item 7.01, Regulation FD Disclosure, so all market participants can access the same materials.
The company states that this Exhibit 99.1 information is being furnished, not filed, meaning it is not subject to liability under Section 18 of the Exchange Act and is not automatically incorporated into other securities filings unless specifically referenced later.
LCNB Corp filed a Form 3 initial statement of beneficial ownership for its Chief Lending Officer, indicating direct ownership of 7,446.1188 shares of LCNB Corp common stock. The event date is 10/01/2024. No derivative securities were reported.
LCNB Corp (LCNB) reported an insider ownership update via a Form 3. Chief Financial Officer Andrew Wallace filed an initial statement of beneficial ownership effective 10/08/2025.
He disclosed ownership of 2,809.8301 shares of LCNB Corp common stock, held directly. No derivative securities were reported in the filing.
LCNB Corp. furnished an earnings release under Items 2.02 and 7.01 on October 22, 2025, announcing financial results for the nine months ended September 30, 2025. The company attached an earnings press release and unaudited financial highlights as Exhibits 99.1 and 99.2.
LCNB’s common stock trades on NASDAQ under the symbol LCNB. The report was signed by Chief Financial Officer Andrew Wallace.
LCNB Corp. reported a board change. On October 15, 2025, Robert A. Bedinghaus resigned from the Boards of Directors of LCNB Corp. and LCNB National Bank, and from the Trust Committee. The company stated he stepped down for personal and family-related reasons and not due to any disagreement regarding operations, policies, or practices. LCNB thanked Mr. Bedinghaus for his service and filed a related press release as Exhibit 99.1.
LCNB Corp. reported several executive leadership promotions effective at the close of business on October 8, 2025, as part of its succession plan. Robert Haines II, previously Chief Financial Officer since 2008, has been appointed President while Eric Meilstrup remains Chief Executive Officer. Haines will continue to participate in the executive incentive plans described in the company’s most recent definitive proxy statement.
Andrew Wallace, formerly SVP of Accounting and Finance, has been promoted to Chief Financial Officer. Patricia Walter, who joined through the EAGLE.bank acquisition, has been named Chief Risk Officer, and Susan Kelley has been promoted to SVP and Chief Accounting Officer. Wallace, Walter and Kelley will participate in the executive or senior vice president incentive plans referenced in the latest definitive proxy statement. A press release detailing these changes is included as an exhibit.
LCNB Corp. is registering up to $100,000,000 of securities and 400,000 common shares under its dividend reinvestment and stock purchase plan. The shelf registration allows the company to issue common stock, preferred stock, debt securities and warrants over time, with specific terms to be set in future prospectus supplements. Net proceeds from primary offerings may be used for general corporate purposes, including organic growth, acquisitions, working capital, stock repurchases and debt repayment.
The separate plan prospectus lets existing shareholders reinvest dividends and make optional monthly cash purchases of common stock, generally without brokerage fees, subject to a $25 minimum and $5,000 monthly maximum per participant. As of June 30, 2025, LCNB had 17,390,749 common shares outstanding, authorized capital of 19,000,000 common and 1,000,000 preferred shares, and describes Ohio anti-takeover provisions and its board structure.
The filing reports that Lawrence P. Mulligan Jr., Executive Vice President and director of LCNB Corp (LCNB), purchased 100 shares of LCNB common stock on 08/20/2025 at a price of $15.19 per share. Following the purchase, Mr. Mulligan directly beneficially owns 29,176 shares. The Form 4 was signed by power of attorney on 08/22/2025.
LCNB Corp. is registering 600,000 shares of its no-par common stock for issuance under the new LCNB Corp. 2025 Ownership Incentive Plan. The plan was adopted by the board on April 10, 2025 and approved by shareholders on May 19, 2025, replacing the company’s 2015 Stock Incentive Plan. The filing also details Ohio law and company bylaw provisions that allow the company to indemnify directors and officers and maintain insurance for certain legal costs and liabilities related to their corporate roles.