{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002406","form_type":"8-K","ticker":"LCNB","cik":"0001074902","company_name":"LCNB CORP","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.505520+00:00","generated_at":"2026-05-16T06:17:00.772906+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"LCNB Corp reports record annual net income of $23.1M for FY2025; Q4 EPS $0.40","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002406","json":"https://secwatch.observer/filing/0001437749-26-002406.json","markdown":"https://secwatch.observer/filing/0001437749-26-002406.md","text":"https://secwatch.observer/filing/0001437749-26-002406.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1074902/000143774926002406/0001437749-26-002406-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1074902/000143774926002406/lcnb20251123_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:17:00.772906+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"}