LCNB CORP — Form 8-K
Filed October 15, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 42/100
What the filing says
LCNB Corp. reported Q3 2026 net income of $7.3M ($0.51/share), up 5.4% YoY, with net interest income up 8.6% to $19.7M for the 9-month period. The company completed its first $25M subordinated debt offering in Q3 2026 (shown as $24.4M net on balance sheet after debt issuance costs). Net interest margin improved 108 bps over two years to 3.92%. However, nonperforming loans increased to $4.1M (0.24% of total loans) from $2.0M, and provision for credit losses rose sharply to $3.1M YTD vs. $426K in prior year.
Why this rating
Modest earnings growth and NIM improvement positive; but loan deterioration, higher provisions, and small debt raise (~12% of market cap) are offsetting. Routine disclosure with mixed signals.
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