---
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"
generated_at: "2026-05-17T02:41:22.945275+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031522
- JSON: https://secwatch.observer/filing/0001437749-25-031522.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031522.txt

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