LCNB Corp Q3 2025 EPS $0.49, up 58% YoY; NIM expands to 3.57%

LCNB CORP

2025-Q3 EPS reported $1.23

Q3 2025 net income $6.9M ($0.49 diluted) vs $4.5M ($0.31) YoY; nine-month net income $17.5M ($1.23).
Net interest margin (tax-equivalent) 3.57% vs 2.84% YoY; net interest income $18.1M vs $15.0M.
Nonperforming loans 0.12% of loans, down from 0.19%; provision for credit losses $211K vs $660K.
Efficiency ratio improved to 63.44% from 71.83%; trust and investment assets at record $1.54B.
Total assets $2.24B (-4.4% YoY); net loans $1.67B (-2.4%); deposits $1.85B (-3.5%).

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