---
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"
generated_at: "2026-05-16T06:17:00.772906+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002406
- JSON: https://secwatch.observer/filing/0001437749-26-002406.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002406.txt

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