LCNB Corporation (LCNB) Financial Statements (2026 and earlier)

Company Profile

Business Address 2 NORTH BROADWAY
LEBANON, OH 45036
State of Incorp. OH
Fiscal Year End December 31
Industry (SIC) 6021 - National Commercial Banks (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)
Annual | Quarterly

3/31/2026
MRQ
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments21,61435,74441,05924,97420,68234,119
Cash and cash equivalent21,61435,74439,72322,70118,13631,730
Short-term investments   1,3362,2732,5462,389
Financing receivable, accrued interest, after allowance for credit loss✕✕✕7,300   
Debt securities, held-to-maturity, accrued interest, after allowance for credit loss✕✕✕58   
Total current assets:21,61435,74448,41724,97420,68234,119
Noncurrent Assets
Operating lease, right-of-use asset6,4755,7856,0006,2486,3576,274
Property, plant, and equipment, after accumulated depreciation, depletion, and amortization39,19641,04936,30233,04235,38535,376
Intangible asset, including goodwill, after accumulated amortization99,581101,41489,00361,04861,69462,674
Goodwill90,31090,31079,50959,22159,22159,221
Intangible asset, excluding goodwill, after accumulated amortization9,27111,1049,4941,8272,4733,453
Investment, proportional amortization method, elected, amount20,95018,95016,95016,95014,95012,000
Total noncurrent assets:166,202167,198148,255117,288118,386116,324
Other undisclosed assets2,052,9532,104,4522,094,9201,776,8591,764,5611,595,441
TOTAL ASSETS:2,240,7692,307,3942,291,5921,919,1211,903,6291,745,884
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Debt   97,39571,4555,00012,000
Total current liabilities:   97,39571,4555,00012,000
Noncurrent Liabilities
Liabilities, other than long-term debt4,8044,4264,5277,1858,6558,237
Investment program, proportional amortization method, elected, commitment4,8044,4264,5277,1858,6558,237
Total noncurrent liabilities:4,8044,4264,5277,1858,6558,237
Other undisclosed liabilities1,962,0362,049,9321,954,3671,639,8061,651,3701,484,822
Total liabilities:1,966,8402,054,3582,056,2891,718,4461,665,0251,505,059
Equity
Equity, attributable to parent273,929253,036235,303200,675238,604240,825
Common stock188,212186,937173,637144,069143,130142,443
Treasury stock, value(56,071)(56,002)(56,015)(52,689)(29,029)(20,719)
Accumulated other comprehensive income (loss)(10,150)(19,189)(22,336)(29,954)(1,809)4,043
Retained earnings151,938141,290140,017139,249126,312115,058
Total equity:273,929253,036235,303200,675238,604240,825
TOTAL LIABILITIES AND EQUITY:2,240,7692,307,3942,291,5921,919,1211,903,6291,745,884

Income Statement (P&L) ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
Revenues105,511108,05080,25365,89361,97866,023
Net investment income102,574104,83179,55665,69761,12663,726
Cost of revenue(1,936)(1,962)(240)(268)(346)(226)
Provision for loan, lease, and other losses(1,936)(1,962)    
Amortization of mortgage servicing rights (msrs)   (240)(268)(346)(226)
Gross profit:103,575106,08880,01365,62561,63265,797
Operating expenses(13,163)(15,874)(15,352)(10,326)(11,052)(10,517)
Other operating income, net
(Noninterest Income, Other Operating Income)		5013166313601,2931,291
Operating income:90,91390,53065,29255,65951,87356,571
Nonoperating income1,4221,6601,1321,9401,0741,441
Bank owned life insurance income1,4221,6651,1361,0741,0741,441
Profit (loss) from real estate operations  (5)(4)866  
Interest and debt expense   (23,250)(4,711)(4,053)(7,562)
Other undisclosed loss from continuing operations before equity method investments, income taxes      (26,290)
Income from continuing operations before equity method investments, income taxes:92,33592,19043,17452,88848,89424,160
Other undisclosed loss from continuing operations before income taxes(64,183)(76,229)(27,914)(25,942)(23,309) 
Income from continuing operations before income taxes:28,15215,96115,26026,94625,58524,160
Income tax expense(5,032)(2,469)(2,632)(4,818)(4,611)(4,085)
Income from continuing operations:23,12013,49212,62822,12820,97420,075
Income before gain (loss) on sale of properties:✕✕✕✕✕20,97420,075
Net income attributable to parent:23,12013,49212,62822,12820,97420,075
Other undisclosed net loss available to common stockholders, basic(131)(82)(86)(114)(75)(45)
Net income available to common stockholders, diluted:22,98913,41012,54222,01420,89920,030

Comprehensive Income ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
Net income:23,12013,49212,62822,12820,97420,075
Other comprehensive income (loss) 2(15)7,618(28,145)(5,852)3,370
Other undisclosed comprehensive income      
Comprehensive income (loss):23,12213,47720,246(6,017)15,12223,445
Other undisclosed comprehensive income, net of tax, attributable to parent9,0373,162    
Comprehensive income (loss), net of tax, attributable to parent:32,15916,63920,246(6,017)15,12223,445

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

Login to ReadyRatios

 

Have you forgotten your password?

Are you a new user?

Login As
You can log in if you are registered at one of these services: