secwatch.observer — SEC 8-K summary
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Issuer:     LCNB CORP (LCNB)
CIK:        0001074902
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001437749-26-002406
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1074902/000143774926002406/0001437749-26-002406-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1074902/000143774926002406/lcnb20251123_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-002406

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