{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031522","form_type":"8-K","ticker":"LCNB","cik":"0001074902","company_name":"LCNB CORP","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.731563+00:00","generated_at":"2026-05-17T02:41:22.945275+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"LCNB Corp Q3 2025 EPS $0.49, up 58% YoY; NIM expands to 3.57%","bullets":["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%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031522","json":"https://secwatch.observer/filing/0001437749-25-031522.json","markdown":"https://secwatch.observer/filing/0001437749-25-031522.md","text":"https://secwatch.observer/filing/0001437749-25-031522.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1074902/000143774925031522/0001437749-25-031522-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1074902/000143774925031522/lcnb20250827_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:41:22.945275+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"}