LCNB Corp. reports record Q2 net income of $7.5M, EPS $0.53, NIM expands to 3.99%

LCNB CORP

Record Q2 net income $7.5M, diluted EPS $0.53 (+29% YoY); H1 net income $11.9M, EPS $0.84 (+13.5% YoY).
Net interest margin (tax-equivalent) 3.99%, up 52 bps YoY; record net interest income $19.8M (+12.8% YoY).
Tangible book value per share $12.90, up 10.4% YoY; earned back TBV dilution from Nov 2023 Cincinnati Federal acquisition.
Provision for credit losses $276K in Q2 vs $18K last year; H1 net charge-offs $2.7M (0.32% annualized) due to two logistics credits.
Wealth management AUM $1.7B (+15.3% YoY); fiduciary income $2.7M in Q2. Dividend maintained at $0.22/share.

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