LCNB Corp. Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	94.31	96.48	71.89	59.25	56.14
Interest Income on Investments	8.43	8.54	7.71	6.51	5.04
Total Interest Income	102.75	105.02	79.6	65.75	61.18
Interest Paid on Deposits	27.15	35.84	16.57	3.68	3.58
Interest Paid on Borrowings	5.38	8.38	6.68	1.03	0.48
Total Interest Expense	32.53	44.22	23.25	4.71	4.05
Net Interest Income	70.22	60.8	56.35	61.04	57.12
Net Interest Income Growth (YoY)	15.51%	7.89%	-7.69%	6.86%	1.61%
Trust Income	9.53	8.45	7.09	6.47	6.67
Gain (Loss) on Sale of Investments	-	-0.22	0.06	-0.29	0.44
Other Non-Interest Income	1.92	1.99	1.71	1.73	1.72
Total Non-Interest Income	21.78	20.4	15.41	14.29	15.72
Non-Interest Income Growth (YoY)	6.72%	32.40%	7.86%	-9.13%	-0.11%
Revenues Before Loan Losses	92	81.2	71.76	75.33	72.85
Provision for Loan Losses	1.94	1.96	2.08	0.25	-0.27
Revenue	90.06	79.24	69.68	75.08	73.12
Revenue Growth (YoY)	13.66%	13.71%	-7.19%	2.69%	4.54%
Salaries and Employee Benefits	35.5	34.58	28.55	27.95	27.37
Occupancy Expenses	3.98	3.73	3.3	3.07	2.95
Federal Deposit Insurance	1.49	1.9	0.93	0.53	0.49
Amortization of Goodwill & Intangibles	1.08	1.14	0.53	0.48	1.04
Selling, General & Administrative	7.77	7.86	7.41	6.96	6.81
Other Non-Interest Expense	11.96	11.08	9.46	9.54	9.38
Total Non-Interest Expense	61.77	60.29	50.19	47.66	48.04
EBT Excluding Unusual Items	28.29	18.95	19.49	27.42	25.08
Other Unusual Items	-	-	-	-	0.51
Pretax Income	28.15	15.96	15.26	26.95	25.59
Income Tax Expense	5.03	2.47	2.63	4.82	4.61
Net Income	23.12	13.49	12.63	22.13	20.97
Preferred Dividends & Other Adjustments	-	0.08	0.09	0.11	0.08
Net Income to Common	23.12	13.41	12.54	22.01	20.9
Net Income Growth	71.36%	6.84%	-42.93%	5.50%	4.48%
Basic Shares Outstanding	14	14	11	11	13
Diluted Shares Outstanding	14	14	11	11	13
Shares Change (YoY)	2.33%	20.56%	0.06%	-9.36%	-2.52%
EPS (Basic)	1.64	0.97	1.10	1.93	1.66
EPS (Diluted)	1.63	0.97	1.10	1.93	1.66
EPS Growth	68.04%	-11.69%	-43.06%	16.22%	7.10%
Dividend Per Share	0.880	0.880	0.850	0.810	0.770
Dividend Growth	-	3.53%	4.94%	5.20%	5.48%
Effective Tax Rate	17.87%	15.47%	17.25%	17.88%	18.02%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q