{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023212","form_type":"8-K","ticker":"LCNB","cik":"0001074902","company_name":"LCNB CORP","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.273375+00:00","generated_at":"2026-05-18T04:07:18.713947+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"LCNB Corp Q2 2025 EPS $0.41 vs $0.07 YoY; NIM expands to 3.47% from 2.86%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023212","json":"https://secwatch.observer/filing/0001437749-25-023212.json","markdown":"https://secwatch.observer/filing/0001437749-25-023212.md","text":"https://secwatch.observer/filing/0001437749-25-023212.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1074902/000143774925023212/0001437749-25-023212-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1074902/000143774925023212/lcnb20250512_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:07:18.713947+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"}