LCNB (LCNB) investor relations material

Executive summary

• Achieved record second quarter net income of $7.5 million, up 26.6% year-over-year, and record net interest income of $19.8 million, up 12.8% year-over-year.

• Earnings per share rose 29% year-over-year to $0.53; return on average assets improved to 1.34%.

• Tangible book value per share increased 10.4% year-over-year to $12.90.

• Wealth management assets reached a record $1.7 billion, up 15.3% year-over-year, generating $2.7 million in fiduciary income.

• Continued expansion in key markets and investment in talent to support future growth.

Financial highlights

• Net interest margin expanded 52 basis points year-over-year to 3.99% for Q2 2026.

• Six-month net income was $11.9 million, up from $10.5 million year-over-year; EPS for six months was $0.84, up from $0.74.

• Non-interest income for Q2 was $5.4 million, up from $5.2 million; six-month non-interest income decreased 4% to $10.0 million.

• Non-interest expense for Q2 was $15.7 million, up slightly from $15.6 million; six-month non-interest expense rose $0.2 million year-over-year.

Outlook and guidance

• Management expects continued profitable growth and value creation for the remainder of 2026.

• Focus remains on disciplined risk management, asset quality, and expanding customer relationships.