LCNB Corp. Balance Sheet

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
Cash & Equivalents	21.61	35.74	39.72	22.7	18.14
Investment Securities	256.16	223.29	238	248.34	251.94
Mortgage-Backed Securities	-	69.55	72.79	79.44	96.68
Total Investments	256.16	292.84	310.79	327.78	348.62
Gross Loans	1,707	1,722	1,723	1,401	1,370
Allowance for Loan Losses	-13.7	-12	-10.53	-5.65	-5.51
Other Adjustments to Gross Loans	-1.06	-	-	-	-0.96
Net Loans	1,692	1,710	1,713	1,396	1,364
Property, Plant & Equipment	45.67	46.83	42.3	39.57	41.74
Goodwill	90.31	90.31	79.51	59.22	59.22
Other Intangible Assets	9.27	8.01	5.39	0.96	1.43
Loans Held for Sale	1.72	5.56	-	-	-
Accrued Interest Receivable	7.97	8.7	8.41	7.48	8
Long-Term Deferred Tax Assets	-	11.69	8.57	6.64	-
Other Long-Term Assets	95.52	77.19	68.79	55	57.34
Total Assets	2,241	2,307	2,292	1,919	1,904
Interest Bearing Deposits	1,374	1,311	1,312	1,083	1,102
Institutional Deposits	-	107.84	50.17	16.14	25.12
Non-Interest Bearing Deposits	466.09	459.62	462.27	505.82	501.53
Total Deposits	1,840	1,878	1,824	1,605	1,629
Short-Term Borrowings	-	-	97.4	71.46	-
Current Portion of Long-Term Debt	-	-	-	-	5
Current Portion of Leases	-	0.55	-	-	-
Accrued Interest Payable	15.18	2.48	1.7	0.31	0.28
Long-Term Debt	104.43	10.15	12.15	14.07	-
Federal Home Loan Bank Debt, Long-Term	-	145	100.97	5	5
Long-Term Leases	6.88	5.56	6.26	6.65	6.47
Pension & Post-Retirement Benefits	-	1.57	2.14	2.3	2.8
Long-Term Deferred Tax Liabilities	-	-	-	-	1.19
Other Long-Term Liabilities	-	10.75	11.28	13.97	15.47
Total Liabilities	1,967	2,054	2,056	1,719	1,665
Common Stock	188.21	186.94	173.64	144.07	143.13
Retained Earnings	151.94	141.29	140.02	139.25	126.31
Treasury Stock	-56.07	-56	-56.02	-52.69	-29.03
Comprehensive Income & Other	-10.15	-19.19	-22.34	-29.95	-1.81
Shareholders' Equity	273.93	253.04	235.3	200.68	238.6
Total Liabilities & Equity	2,241	2,307	2,292	1,919	1,904
Total Debt	111.31	161.27	216.78	97.17	16.47
Net Cash (Debt)	-86.98	-125.27	-177.06	-74.47	1.66
Net Cash Per Share	-6.17	-9.10	-15.51	-6.53	0.13
Filing Date Shares Outstanding	14.19	14.16	13.22	11.26	11.4
Total Common Shares Outstanding	14.19	14.12	13.17	11.26	12.41
Book Value Per Share	19.30	17.92	17.86	17.82	19.22
Tangible Book Value	174.35	154.72	150.41	140.5	177.95
Tangible Book Value Per Share	12.28	10.96	11.42	12.48	14.33

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

SEC Filings: 10-K · 10-Q