secwatch.observer — SEC 8-K summary
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Issuer:     LCNB CORP (LCNB)
CIK:        0001074902
Form:       8-K
Filed at:   2025-07-22T23:59:59+00:00
Accession:  0001437749-25-023212
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1074902/000143774925023212/0001437749-25-023212-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1074902/000143774925023212/lcnb20250512_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-023212

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