---
schema_version: "secwatch.filing_event.v1"
accession: "0001074902-22-000118"
form_type: "8-K"
ticker: "LCNB"
cik: "0001074902"
company_name: "LCNB CORP"
filed_at: "2022-10-20T23:59:59+00:00"
generated_at: "2026-06-23T02:10:17.231122+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# LCNB Q3 EPS rises 25.6% to $0.49, a record; NPLs drop to 0.03% of loans

## Summary
- Q3 net income $5.579M (+15.8% YoY); EPS $0.49 vs $0.39; record quarterly EPS.
- Nonperforming loans fell to $465K (0.03% of loans) vs $2.642M (0.20%) a year ago.
- ROATCE improved to 15.30% from 10.62% YoY; net interest margin 3.54% vs 3.32%.
- YTD repurchased 1.17M shares for $23M (9.4% of outstanding); dividend raised to $0.20/share.
- Net loan growth 2.8% YoY; total deposits up 3.4%; total assets $1.90B.

## SEC filing metadata
- accession: 0001074902-22-000118
- form_type: 8-K
- ticker: LCNB
- cik: 0001074902
- company_name: LCNB CORP
- filed_at: 2022-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1074902/000107490222000118/0001074902-22-000118-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1074902/000107490222000118/lcnb-20221020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001074902-22-000118
- JSON: https://secwatch.observer/filing/0001074902-22-000118.json
- Plain text: https://secwatch.observer/filing/0001074902-22-000118.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.