Financial insights of LCNB

MyFinsight

For the quarter ending 2025-09-30, LCNB made $55,333K in revenue. $6,936K in net income. Net profit margin of 12.54%.

Income Overview

Revenue
$55,333K
Net Income
$6,936K
Net Profit Margin
12.54%
EPS
$0.49
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	24,163	23,838	23,181	24,342
With a readily determinable fair value	12	11	10	10
Without a readily determinable fair value	25	25	29	30
Taxable	1,212	1,213	1,256	1,181
Non-taxable	160	161	146	163
Other investments	733	691	694	672
Total interest income	26,305	25,939	25,316	26,398
Interest on deposits	6,857	7,119	7,559	9,578
Interest on short-term borrowings	1	1	1	-
Interest on long-term debt	1,321	1,278	1,457	1,850
Total interest expense	8,179	8,398	9,017	11,428
Net interest income	18,126	17,541	16,299	14,970
Provision for credit losses	211	18	197	660
Net interest income after provision for credit losses	17,915	17,523	16,102	14,310
Revenue-Fiduciary And Trust	2,588	2,262	-	-
Revenue-Deposit Account	1,935	1,884	-	-
Revenue	-	-	3,930	3,996
Net losses from sales of debt securities, available-for-sale	0	0	-	-
Bank-owned life insurance income	361	353	346	654
Net gains from sales of loans	718	615	841	1,625
Other operating income	102	134	105	132
Total non-interest income	5,704	5,248	5,222	6,407
Salaries and employee benefits	8,682	8,872	9,172	9,025
Equipment expenses	380	371	382	420
Occupancy expense, net	1,015	1,022	1,010	966
State financial institutions tax	432	449	453	505
Marketing	336	281	315	320
Amortization of intangibles	247	301	297	304
Fdic insurance premiums, net	359	380	410	547
Contracted services	880	859	870	807
Merger-related expenses	0	140	-	281
Other non-interest expense	2,814	2,892	2,900	2,212
Total non-interest expense	15,145	15,567	15,809	15,387
Income before income taxes	8,474	7,204	5,515	5,330
Provision for income taxes	1,538	1,285	906	798
Net income	6,936	5,919	4,609	4,532

Basic (in dollars per share)	0.49	0.41	0.33	0.31
Basic (in shares)	14,097,414	14,085,764	14,051,310	14,103,358
Diluted (in dollars per share)	0.49	0.41	0.33	0.31
Diluted (in shares)	14,097,414	14,085,764	14,051,310	14,103,358

MyFinsight

Income Overview

Revenue
$55,333K
Net Income
$6,936K
Net Profit Margin
12.54%
EPS
$0.49
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$55,333K
Net Income
$6,936K
Net Profit Margin
12.54%
EPS
$0.49
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$55,333KNet Income$6,936KNet Profit Margin12.54%EPS$0.49Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$55,333KNet Income$6,936KNet Profit Margin12.54%EPS$0.49Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

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

Income Statement

Revenue
$55,333K
Net Income
$6,936K
Net Profit Margin
12.54%
EPS
$0.49
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Revenue
$55,333K
Net Income
$6,936K
Net Profit Margin
12.54%
EPS
$0.49
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others