For the quarter ending 2025-09-30, LCNB has $2,244,365K in assets. $1,974,495K in debts. $35,865K in cash and cash equivalents.
| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 28,167 | 37,465 | ||
| Interest-bearing demand deposits | 7,698 | 12,313 | ||
| Total cash and cash equivalents | 35,865 | 49,778 | ||
| Interest-bearing time deposits | 258 | 256 | ||
| Equity securities with a readily determinable fair value, at fair value | 1,414 | 1,405 | ||
| Equity securities without a readily determinable fair value, at cost | 3,666 | 3,666 | ||
| Debt securities, available-for-sale, at fair value | 243,105 | 253,320 | ||
| Debt securities, held-to-maturity, at cost, net of allowance for credit losses of 12 and 5 at september 30, 2025 and december 31, 2024, respectively | 17,304 | 17,429 | ||
| Federal reserve bank stock, at cost | 6,405 | 6,405 | ||
| Federal home loan bank stock, at cost | 20,710 | 20,710 | ||
| Loans held-for-sale | 4,018 | 6,026 | ||
| Financing receivable, excluding accrued interest, before allowance for credit loss | 1,679,028 | - | ||
| Less allowance for credit losses | 12,170 | - | ||
| Loans, net of allowance for credit losses of 12,170 and 12,001 at september 30, 2025 and december 31, 2024, respectively | 1,666,858 | 1,700,902 | ||
| Premises and equipment, net | 39,422 | 39,662 | ||
| Operating lease right-of-use assets | 6,405 | 6,020 | ||
| Goodwill | 90,310 | 90,310 | ||
| Core deposit and other intangibles, net | 9,680 | 10,106 | ||
| Bank-owned life insurance | 55,061 | 54,701 | ||
| Interest receivable | 8,803 | 8,795 | ||
| Other assets | 35,081 | 38,309 | ||
| Total assets | 2,244,365 | 2,307,800 | ||
| Noninterest-bearing | 454,192 | 463,123 | ||
| Interest-bearing | 1,394,890 | 1,456,249 | ||
| Total deposits | 1,849,082 | 1,919,372 | ||
| Long-term debt | 104,717 | 105,000 | ||
| Operating lease liabilities | 6,770 | 6,401 | ||
| Accrued interest and other liabilities | 13,926 | 13,553 | ||
| Total liabilities | 1,974,495 | 2,044,326 | ||
| Preferred shares no par value, authorized 1,000,000 shares, none outstanding | 0 | 0 | ||
| Common shares no par value authorized 19,000,000 shares issued 17,401,712 and 17,329,423 shares at september 30, 2025 and december 31, 2024, respectively outstanding 14,186,204 and 14,118,040 shares at september 30, 2025 and december 31, 2024, respectively | 187,957 | 187,653 | ||
| Retained earnings | 149,403 | 145,621 | ||
| Treasury shares at cost, 3,215,508 and 3,211,383 shares at september 30, 2025 and december 31, 2024, respectively | 56,071 | 56,071 | ||
| Accumulated other comprehensive loss, net of taxes | -11,419 | -13,729 | ||
| Total shareholders' equity | 269,870 | 263,474 | ||
| Total liabilities and shareholders' equity | 2,244,365 | 2,307,800 | ||
LCNB CORP (LCNB)
LCNB CORP (LCNB)