LCNB Corp. filed its Form 10-Q with the SEC on November 4, 2026, covering the quarterly period ended September 30, 2026, reporting third-quarter net income of $7.309 million and total assets of $2.282 billion.

Key Highlights

  • Net income: $7.309 million for the three months ended September 30, 2026, compared with $6.936 million for the same period in 2025.
  • Basic and diluted EPS: $0.51 per common share for Q3 2026, up from $0.49 in Q3 2025.
  • Net interest income: $19.679 million for Q3 2026, compared with $18.126 million for Q3 2025.
  • Total assets: $2.281800 billion at September 30, 2026, up from $2.240769 billion at December 31, 2025.
  • Total deposits: $1.882516 billion at September 30, 2026, compared with $1.840355 billion at December 31, 2025.
  • Nine-month net income: $19.247 million for the nine months ended September 30, 2026, versus $17.464 million for the same period in 2025.
  • Shares outstanding: 14,254,988 common shares as of November 4, 2026, according to the filing.

LCNB Corp. Third-Quarter 2026 Financial Results and Balance Sheet Position

According to the filing, LCNB Corp. (NASDAQ:LCNB), an Ohio-based financial holding company headquartered in Lebanon, Ohio, reported net interest income of $19.679 million for the three months ended September 30, 2026, an increase from $18.126 million in the prior-year quarter. Total interest income for Q3 2026 was $26.426 million, while total interest expense declined to $6.747 million from $8.179 million in Q3 2025, the filing disclosed. The provision for credit losses was $453 thousand in Q3 2026, compared with $211 thousand in Q3 2025.

The company disclosed total non-interest income of $5.341 million for Q3 2026, compared with $5.704 million in Q3 2025. Fiduciary income was $2.686 million for the quarter, up from $2.588 million a year earlier. Total non-interest expense was $15.589 million for Q3 2026 versus $15.145 million in Q3 2025, with salaries and employee benefits representing the largest component at $9.151 million. Income before income taxes was reported at $8.978 million for the quarter.

On the balance sheet, the filing reported net loans of $1.702836 billion at September 30, 2026, against an allowance for credit losses of $13.322 million. Total shareholders' equity was $282.218 million at September 30, 2026, compared with $273.929 million at December 31, 2025. The company reported goodwill of $90.310 million and core deposit and other intangibles, net, of $8.115 million. Subordinated debentures of $24.406 million appeared on the September 30, 2026 balance sheet, compared with zero at December 31, 2025, according to the filing.

What Was Disclosed

LCNB Corp. disclosed its unaudited financial results for the quarter and nine months ended September 30, 2026, covering income statements, balance sheet positions, and share counts, as reported in its Form 10-Q filed November 4, 2026.