For the quarter ending 2026-03-31, LCNB has $2,237,836K in assets. $1,962,020K in debts. $29,181K in cash and cash equivalents.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 23,141 | 18,353 | 28,167 | 37,465 |
| Interest-bearing demand deposits | 6,040 | 3,261 | 7,698 | 12,313 |
| Total cash and cash equivalents | 29,181 | 21,614 | 35,865 | 49,778 |
| Interest-bearing time deposits | 2,712 | 2,710 | 258 | 256 |
| Equity securities with a readily determinable fair value, at fair value | 1,422 | 1,433 | 1,414 | 1,405 |
| Equity securities without a readily determinable fair value, at cost | 3,666 | 3,666 | 3,666 | 3,666 |
| Debt securities, available-for-sale, at fair value | 228,750 | 232,271 | 243,105 | 253,320 |
| Debt securities, held-to-maturity, at cost, net of allowance for credit losses of 10 and 11 at march 31, 2026 and december 31, 2025, respectively | 15,960 | 16,080 | 17,304 | 17,429 |
| Federal reserve bank stock, at cost | 6,405 | 6,405 | 6,405 | 6,405 |
| Federal home loan bank stock, at cost | 20,710 | 20,710 | 20,710 | 20,710 |
| Loans held-for-sale | 3,438 | 1,718 | 4,018 | 6,026 |
| Financing receivable, excluding accrued interest, before allowance for credit loss | 1,697,674 | 1,705,531 | 1,679,028 | - |
| Less allowance for credit losses | 13,372 | 13,704 | 12,170 | - |
| Loans, net of allowance for credit losses of 13,372 and 13,704 at march 31, 2026 and december 31, 2025, respectively | 1,684,302 | 1,691,827 | 1,666,858 | 1,700,902 |
| Premises and equipment, gross | - | 71,549 | - | - |
| Less accumulated depreciation | - | 32,353 | - | - |
| Premises and equipment, net | 38,965 | 39,196 | 39,422 | 39,662 |
| Operating lease right-of-use assets | 6,388 | 6,475 | 6,405 | 6,020 |
| Goodwill | 90,310 | 90,310 | 90,310 | 90,310 |
| Core deposit and other intangibles, net | 8,893 | 9,271 | 9,680 | 10,106 |
| Bank-owned life insurance | 55,783 | 55,424 | 55,061 | 54,701 |
| Interest receivable | 8,312 | 7,968 | 8,803 | 8,795 |
| Other assets | 32,639 | 33,691 | 35,081 | 38,309 |
| Total assets | 2,237,836 | 2,240,769 | 2,244,365 | 2,307,800 |
| Noninterest-bearing | 469,767 | 466,094 | 454,192 | 463,123 |
| Interest-bearing | 1,369,026 | 1,374,261 | 1,394,890 | 1,456,249 |
| Total deposits | 1,838,793 | 1,840,355 | 1,849,082 | 1,919,372 |
| Short-term borrowings | - | 0 | - | - |
| Long-term debt | 104,133 | 104,428 | 104,717 | 105,000 |
| Operating lease liabilities | 6,758 | 6,877 | 6,770 | 6,401 |
| Accrued interest and other liabilities | 12,336 | 15,180 | 13,926 | 13,553 |
| Total liabilities | 1,962,020 | 1,966,840 | 1,974,495 | 2,044,326 |
| Preferred shares no par value, authorized 1,000,000 shares, none outstanding | 0 | 0 | 0 | 0 |
| Common shares no par value authorized 19,000,000 shares issued 17,462,306 and 17,409,085 shares at march 31, 2026 and december 31, 2025, respectively outstanding 14,245,849 and 14,193,577 shares at march 31, 2026 and december 31, 2025, respectively | 188,620 | 188,212 | 187,957 | 187,653 |
| Retained earnings | 153,250 | 151,938 | 149,403 | 145,621 |
| Treasury shares at cost, 3,216,457 and 3,215,508 shares at march 31, 2026 and december 31, 2025, respectively | 56,087 | 56,071 | 56,071 | 56,071 |
| Accumulated other comprehensive loss, net of taxes | -9,967 | -10,150 | -11,419 | -13,729 |
| Total shareholders' equity | 275,816 | 273,929 | 269,870 | 263,474 |
| Total liabilities and shareholders' equity | 2,237,836 | 2,240,769 | 2,244,365 | 2,307,800 |
LCNB CORP (LCNB)
LCNB CORP (LCNB)