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LCNB (LCNB) investor relations material
LCNB Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income for Q2 2025 was $5.9M ($0.41 EPS), up from $0.9M ($0.07 EPS) in Q2 2024; six-month net income was $10.5M ($0.74 EPS), up from $2.8M ($0.21 EPS) year-over-year.
Net interest margin expanded to 3.47% in Q2 2025 from 2.86% in Q2 2024, reflecting improved balance sheet management and loan originations.
Noninterest income increased 28.6% year-over-year, driven by gains from loan sales and higher fiduciary and service fee income.
Asset quality remains strong, with low net charge-offs and a stable provision for credit losses.
Results in 2024 were impacted by merger-related expenses from the EFBI and CNNB acquisitions.
Financial highlights
Net interest income for Q2 2025 was $17.5M, up from $15.2M in Q2 2024; for the six months, $33.8M vs. $29.1M year-over-year.
Noninterest expense for Q2 2025 was $15.6M, down from $17.8M in Q2 2024, mainly due to lower merger-related costs.
Return on average assets was 1.04% for Q2 2025, up from 0.15% in Q2 2024.
Book value per share increased to $18.59 at June 30, 2025, from $17.33 a year earlier.
Total deposits increased 2.19% to $1.92B at June 30, 2025; long-term debt decreased by $50.2M to $105M.
Outlook and guidance
Management expects marketing expenses to normalize through the remainder of the year.
No liquidity or operational problems anticipated; management believes adequate liquidity is available for short- and long-term needs.
Management expects the economic environment to remain fluid but believes the company is well positioned for long-term growth due to strong asset quality and profitability.
Continued focus on leveraging recent acquisitions and expanding wealth management services in new markets.
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Q3 202528 Oct, 2025
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Frequently asked questions
LCNB Corp. is a financial holding company that operates through its subsidiary, LCNB National Bank. The company provides a comprehensive range of banking services, including personal and commercial banking, investment management, and trust services. Its offerings include various types of loans such as commercial, residential real estate, agricultural, and Small Business Administration (SBA) loans. Additionally, LCNB offers deposit products like checking and savings accounts, as well as specialized services such as treasury management, merchant services, and online banking. The company primarily serves communities in Southwest and South-Central Ohio, as well as Northern Kentucky. The company is headquartered in Lebanon, Ohio, and its shares are listed on the NASDAQ.
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