LCNB Corp. (LCNB)

LCNB declared cash dividends of $0.22 per common share on November 20, 2025, and August 21, 2025. The company reported strong Q3 2025 financial results on October 22, 2025, with net earnings per share improving 58.1% to $0.49 per diluted share and the net interest margin expanding to 3.57%. Changes to the Board of Directors were announced on October 15, 2025, and the leadership team was solidified on October 8, 2025, with promotions including Robert Haines II to President and Andrew Wallace to Chief Financial Officer. On July 22, 2025, LCNB reported a 24.2% improvement in net earnings per share for Q2 2025, reaching $0.41 per diluted share. The stock has shown stable price volatility over the past year.

LCNB Corp.'s business is not seasonal to any material degree.

LCNB National Bank provides commercial and personal banking services, including checking, NOW, savings, Christmas and vacation club, money market deposit, Classic 50, and individual retirement accounts, as well as certificates of deposit. The bank also offers online banking, personal and business lending, agricultural lending, business support, deposit and treasury services, investment services, trust services, and stock purchases. LCNB Corp. operates a captive insurance agency named LCNB Risk Management, Inc.

LCNB Corp.'s primary market area is Southwestern and South Central Ohio. LCNB National Bank has 36 locations across Warren, Butler, Clinton, Clermont, Hamilton, Montgomery, Preble, Ross, and Fayette counties.

LCNB Corp. emphasizes building strong relationships with customers and communities, focusing on community banking and exceeding customer expectations through personal assistance and guidance. There have been no specific events in the past year that have significantly impacted LCNB Corp.'s brand reputation, beyond the general financial performance and leadership changes.

As of December 31, 2023, LCNB Corp. was not aware of any entity beneficially owning more than 5% of its Common Shares, excluding management. As of December 31, 2018, LCNB National Bank's Trust Department beneficially owned 6.33% of LCNB Corp. Common Stock on behalf of 22 accounts. The company's management, including directors and executive officers, collectively hold common shares. Key senior management includes Eric J. Meilstrup (CEO), Robert C. Haines II (President), and Andrew Wallace (EVP & CFO), with Spencer S. Cropper as Chairman of the Board.