secwatch.observer — SEC 8-K summary
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Issuer:     LCNB CORP (LCNB)
CIK:        0001074902
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0001437749-25-031522
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1074902/000143774925031522/0001437749-25-031522-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1074902/000143774925031522/lcnb20250827_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-031522

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