Financial insights of LCNB

MyFinsight

For the quarter ending 2026-03-31, LCNB made $2,539K in revenue. $4,444K in net income. Net profit margin of 175.03%.

Income Overview

Revenue
$2,539K
Net Income
$4,444K
Net Profit Margin
175.03%
EPS
$0.31
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Revenue-Fiduciary And Trust	2,539	2,661*	2,588	2,262
Revenue-Deposit Account	1,485	1,656*	1,935	1,884
Net losses on sales of debt securities, available-for-sale	-	0*	0	0
Bank-owned life insurance income	359	362	361	353
Net gains from sales of loans	200	763	718	615
Other operating income	110	160	102	134
Total non-interest income	4,693	5,601	5,704	5,248
Interest and fees on loans	23,433	23,131	24,163	23,838
With a readily determinable fair value	11	9*	12	11
Without a readily determinable fair value	26	53*	25	25
Taxable	1,196	1,195	1,212	1,213
Non-taxable	146	158	160	161
Other investments	618	642	733	691
Total interest income	25,430	25,187	26,305	25,939
Interest on deposits	5,281	5,613	6,857	7,119
Interest on short-term borrowings	46	0	1	1
Interest on long-term debt	1,256	1,318	1,321	1,278
Total interest expense	6,583	6,931	8,179	8,398
Net interest income	18,847	18,256	18,126	17,541
Provision for credit losses	2,339	1,510	211	18
Net interest income after provision for credit losses	16,508	16,746	17,915	17,523
Salaries and employee benefits	9,467	8,770	8,682	8,872
Equipment expenses	392	384	380	371
Occupancy expense, net	1,021	936	1,015	1,022
State financial institutions tax	447	382	432	449
Merger-related expenses	-	-70*	0	140
Marketing	294	291	336	281
Amortization of intangibles	225	230	247	301
Fdic insurance premiums, net	275	338	359	380
Computer maintenance and supplies	405	1,576*	-	-
Contracted services	979	911	880	859
Other non-interest expense	2,375	1,640	2,814	2,892
Total non-interest expense	15,880	15,388	15,145	15,567
Income before income taxes	5,321	6,959	8,474	7,204
Provision for income taxes	877	1,303	1,538	1,285
Net income	4,444	5,656	6,936	5,919

Basic EPS	0.31	0.401	0.49	0.41
Diluted EPS	0.31	0.401	0.49	0.41
Basic Average Shares	14,125,191	14,111,028	14,097,414	14,085,764
Diluted Average Shares	14,125,191	14,111,028	14,097,414	14,085,764

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Revenue
$2,539K
Net Income
$4,444K
Net Profit Margin
175.03%
EPS
$0.31
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$2,539K
Net Income
$4,444K
Net Profit Margin
175.03%
EPS
$0.31
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$2,539KNet Income$4,444KNet Profit Margin175.03%EPS$0.31Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$2,539KNet Income$4,444KNet Profit Margin175.03%EPS$0.31Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$2,539K
Net Income
$4,444K
Net Profit Margin
175.03%
EPS
$0.31
Unit: Thousand (K) dollars

Revenue
$2,539K
Net Income
$4,444K
Net Profit Margin
175.03%
EPS
$0.31
Unit: Thousand (K) dollars