LCNB Corp reports record annual net income of $23.1M for FY2025; Q4 EPS $0.40

LCNB CORP

2025-FY EPS reported $1.63

Record annual net income of $23.1M (FY2025), up from $13.5M in FY2024; diluted EPS $1.63 vs $0.97.
Q4 2025 net income $5.7M, EPS $0.40; prior Q4 net income $6.1M, EPS $0.44.
Net interest margin (tax-equiv) expanded to 3.69% Q4 vs 3.22% prior; full year 3.50% vs 2.91%.
Tangible book value per share rose 13.6% to $12.45; quarterly dividend maintained at $0.22/share.
Provision for credit losses increased to $1.5M in Q4 (from $0.6M), driven by reserve on one $1.4M logistics loan; NPL ratio improved to 0.14%.

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