---
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"
generated_at: "2026-05-18T04:07:18.713947+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023212
- JSON: https://secwatch.observer/filing/0001437749-25-023212.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023212.txt

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