10-Q quarterly report · filed Nov 5, 2025

LCNB CORP (LCNB) Q3 2025 10-Q Quarterly Report

Short answer

LCNB CORP (LCNB) filed its Q3 2025 10-Q quarterly report on Nov 5, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $26M (down 0.4% year over year) with net income of $7M.

Q3 2025 key financials · XBRL

Revenue
$26M
−0.4% YoY · +1.4% QoQ
Net income
$7M
+53.0% YoY · +17.2% QoQ
EPS (diluted)
$0.49
+53.1% YoY · +19.5% QoQ

Source: XBRL data from the LCNB CORP (LCNB) Q3 2025 10-Q on SEC EDGAR. USD.

LCNB CORP Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Capital $274.2M at September 30, 2025 vs $259.8M December 31, 2024
  • Common equity Tier 1 ratio 10.94% vs 9.94%; leverage ratio 8.50% vs 7.94%
  • FHLB borrowing capacity $154.7M; correspondent-bank lines $115.0M
  • Off-balance-sheet ICS liquidity approximately $71.2M
  • Credit commitments $273.0M; no liquidity or operational problems reported

Risk Factors

  • No risk-factors section provided; excerpt contains Items 2–6 only
  • No newly added risk trigger identified in the supplied text
  • No material regulatory, legal, or compliance risk disclosed
  • No operational, competitive, market, liquidity, debt, currency, or concentration risk disclosed

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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