{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-002244","form_type":"8-K","ticker":"LCNB","cik":"0001074902","company_name":"LCNB CORP","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.875178+00:00","generated_at":"2026-05-27T05:06:38.925275+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"LCNB Q4 GAAP EPS $0.44 (vs -$0.02); NIM 3.22%; NPLs rise to 0.27% of loans; dividend +3.5%","bullets":["Q4 net income $6.1M ($0.44 diluted), vs loss of $293K ($0.02) in Q4 2023; full-year net income $13.5M ($0.97) vs $12.6M ($1.10).","Net interest margin (tax-equivalent) improved to 3.22% in Q4 2024 from 2.99% a year ago; full-year NIM 2.91% vs 3.14%.","Non-performing loans increased to $4.6M (0.27% of loans) from $152K (0.01%) at Dec 31, 2023, driven by one $2.6M CRE relationship.","Wealth management assets grew 15.1% YoY to a record $1.38B; total assets under management $4.23B.","Full-year cash dividend raised 3.5% to $0.88 per share from $0.85; adjusted EPS for 2024 was $1.27 vs $1.56."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-002244","json":"https://secwatch.observer/filing/0001437749-25-002244.json","markdown":"https://secwatch.observer/filing/0001437749-25-002244.md","text":"https://secwatch.observer/filing/0001437749-25-002244.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1074902/000143774925002244/0001437749-25-002244-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1074902/000143774925002244/lcnb20250102_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:06:38.925275+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}