LCNB CORP — Form 8-K
Filed July 15, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
LCNB Corp (market cap ~$206M) reported Q2 2026 net income of $7.5M (vs. $5.9M in Q2 2025, +27%), diluted EPS of $0.53 (vs. $0.41, +29%), and record net interest income of $19.8M (+12.8% YoY). Net interest margin expanded 52 basis points to 3.99%. Tangible book value per share increased 10.4% YoY to $12.90. The company originated $123M in new loans during H1 2026 and expanded banking teams in Columbus and wealth management in Cincinnati. LCNB Wealth Management assets reached record $1.7B (+15.3% YoY).
Why this rating
Strong earnings beat and margin expansion are operationally excellent; however, credit quality deteriorated materially (NPL ratio rose to 0.34% from 0.28%, charge-offs spiked to 0.32% annualized from 0.01%), offsetting gains. For a $206M market-cap bank, Q2 earnings of $7.5M annualize to ~$30M, a meaningful but not transformational figure. Positive momentum tempered by emerging credit stress.
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