LCNB Corp Q2 2025 EPS $0.41 vs $0.07 YoY; NIM expands to 3.47% from 2.86%

LCNB CORP

2025-Q2 EPS reported $0.74

Net income $5.9M ($0.41 diluted EPS) vs $0.9M ($0.07) in Q2 2024; six-month EPS $0.74 vs $0.21.
Net interest margin (tax-equivalent) rose to 3.47% from 2.86% YoY; net interest income $17.5M (+15%).
Non-interest income up 28.6% to $5.2M; non-interest expense down $2.2M to $15.6M partly from lower merger costs.
Provision for credit losses just $18K; nonperforming loans 0.28% of total loans (up from 0.17%).
Quarterly dividend maintained at $0.22 per share; efficiency ratio improved to 68.18% from 92.19%.

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