- LCNB Corp reported strong **Q3 2025** financial results, with earnings per share increasing **58.1% to $0.49** and its tax-equivalent net interest margin rising to **3.57%** from 2.84% a year ago.  **[1074902_1f7b2f4604814fa28465aa99ec17bd1f]** 
- The company's net interest income improved **20.7% year-over-year to $18.1 million**, and its wealth management division saw fiduciary income grow **23.4%**.  **[1074902_1f7b2f4604814fa28465aa99ec17bd1f]** 
- The provision for credit losses significantly **decreased to $211,000** in Q3 2025 from $660,000 in the same quarter last year.  **[1074902_1f7b2f4604814fa28465aa99ec17bd1f]** 
- Despite these positive results, LCNB shares have **underperformed the broader market year-to-date**, declining **2.7%** compared to a **14.5% gain** in the S&P 500, with analysts maintaining a **hold rating**.  **[1074902_1f7b2f4604814fa28465aa99ec17bd1f]**

LCNB Corp Reports Strong Q3 2025 Earnings

- LCNB Corp. announced **net earnings per diluted share of $0.49** for the third quarter of 2025, marking a **58.1% improvement** from Q3 2024, with net income reaching **$6.9 million** for the quarter.  **[1074902_0001437749-25-031522_ex_857526.htm:1]** 
- The company's net interest margin expanded to **3.57%** in Q3 2025, up from 2.84% in Q3 2024, and the return on average assets was **1.21%** for the three months ended September 30, 2025.  **[1074902_0001437749-25-031522_ex_857526.htm:1]** 
- Book value per share increased to **$19.02** at September 30, 2025, compared to $17.95 at September 30, 2024.  **[1074902_0001437749-25-031522_ex_857526.htm:1]** **[1074902_0001437749-25-031522_ex_857526.htm:2]**  Tangible shareholders' equity per share also rose to **$12.15** from $10.97 over the same period.  **[1074902_0001437749-25-031522_ex_857526.htm:2]** 
- Asset quality improved, with total nonperforming loans decreasing to **$2.0 million**, or **0.12% of total loans**, at September 30, 2025, down from $3.3 million, or 0.19% of total loans, at September 30, 2024.  **[1074902_0001437749-25-031522_ex_857526.htm:3]** 
- LCNB paid a dividend of **$0.22 per share** for the three months ended September 30, 2025.  **[1074902_0001437749-25-031522_ex_857526.htm:2]**

LCNB Corp. Reports Strong Q3 2025 Financial Results

- LCNB Corp. announced several leadership promotions on **October 8, 2025**, as part of its comprehensive succession plan.  **[1074902_0001437749-25-030691_ex_867242.htm:0]** **[1074902_0001437749-25-030691_lcnb20251007_8k.htm:1]** 
- **Robert Haines II** was promoted to **President**, and **Andrew Wallace** was appointed **Chief Financial Officer**.  **[1074902_0001437749-25-030691_ex_867242.htm:0]** **[1074902_0001437749-25-030691_lcnb20251007_8k.htm:1]** 
- **Patricia Walter** was promoted to **Chief Risk Officer**, and **Susan Kelley** was appointed **SVP Chief Accounting Officer**.  **[1074902_0001437749-25-030691_ex_867242.htm:0]** **[1074902_0001437749-25-030691_lcnb20251007_8k.htm:1]** **[1074902_0001437749-25-030691_ex_867242.htm:1]** 
- These changes, which include the separation of the President and CEO roles with Eric Meilstrup continuing as CEO, are intended to enhance governance and support the company's growth, reflecting an increase in total assets managed by over **$1 billion**, or **34%**, since December 31, 2022.  **[1074902_0001437749-25-030691_ex_867242.htm:0]** **[1074902_0001437749-25-030691_lcnb20251007_8k.htm:1]**

LCNB Corp. Announces Leadership Promotions

- LCNB Corp. announced several leadership promotions as part of a comprehensive succession plan, aiming to enhance its leadership structure and support long-term strategic growth.  **[1074902_94ee2ca08137497794b18735a7d92bbf_0]** 
- **Robert Haines II** was promoted to President, having previously served as Chief Financial Officer from January 2008 to October 2025.  **[1074902_94ee2ca08137497794b18735a7d92bbf_0]** 
- **Andrew Wallace** was promoted to Chief Financial Officer, **Patricia Walter** to Chief Risk Officer, and **Susan Kelley** to SVP Chief Accounting Officer.  **[1074902_94ee2ca08137497794b18735a7d92bbf_0]** **[1074902_94ee2ca08137497794b18735a7d92bbf_1]** 
- The company's total assets managed have increased by **over $1 billion, or 34% since December 31, 2022**, reflecting the success of its multi-year growth plan.  **[1074902_94ee2ca08137497794b18735a7d92bbf_0]**

LCNB (LCNB)