---
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"
generated_at: "2026-05-27T05:06:38.925275+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# LCNB Q4 GAAP EPS $0.44 (vs -$0.02); NIM 3.22%; NPLs rise to 0.27% of loans; dividend +3.5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-002244
- JSON: https://secwatch.observer/filing/0001437749-25-002244.json
- Plain text: https://secwatch.observer/filing/0001437749-25-002244.txt

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