LCNB Q1 net income falls to $4.4M; provision spike offsets record NIM expansion

LCNB CORP

2026-Q1 EPS reported $0.31

EPS $0.31 vs $0.33 YoY; net interest margin up 58bps to 3.83%, record NII $18.8M.
Provision for credit losses $2.3M (vs $0.2M); net charge-offs $2.7M (0.65%) from two logistics loans.
Nonperforming loans decline to 0.20% of loans; tangible book value $12.55 (+10.7% YoY).
Total assets $2.24B (-2.8% YoY); loans $1.68B (-1.2%); deposits $1.84B (-4.3%).
Wealth management AUM $1.57B (+12.5% YoY); dividend $0.22/share.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

LCNB CORP reported the three months ended March 31, 2026 results: revenue $18.8 million, net income $4.4 million, EPS $0.31.

Period: the three months ended March 31, 2026
Revenue: $18.8 million
Net income: $4.4 million
EPS: $0.31
Result: reported results

Exact text from the filing

Net interest income for the three months ended March 31, 2026 was a record $18.8 million

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Source: SEC EDGAR

accession 0001437749-26-013032

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