Financial Statements — LCNB
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.02 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.04 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | 1.45 | 1.43 | 1.39 | 1.37 | 1.37 | 1.37 | 1.33 | 1.31 | 1.33 |
| Total Assets | 2.22 | 2.24 | 2.24 | 2.31 | 2.30 | 2.35 | 2.37 | 2.28 | 1.98 | 1.95 | 1.92 | 1.90 | 1.91 | 1.90 | 1.88 | 1.86 | 1.82 |
| Total Deposits | 1.82 | 1.84 | 1.85 | 1.92 | 1.92 | 1.92 | 1.94 | 1.86 | 1.62 | 1.60 | 1.60 | 1.66 | 1.66 | 1.64 | 1.60 | 1.58 | 1.54 |
| Long-term Debt | 0.10 | 0.10 | 0.10 | 0.11 | 0.10 | 0.16 | 0.16 | 0.16 | 0.11 | 0.02 | 0.02 | 0.02 | 0.03 | -- | -- | -- | -- |
| Total Liabilities | 1.94 | 1.96 | 1.97 | 2.04 | 2.04 | 2.09 | 2.13 | 2.05 | 1.78 | 1.75 | 1.72 | 1.71 | 1.71 | 1.69 | 1.65 | 1.62 | 1.58 |
| Retained Earnings | 0.16 | 0.15 | 0.15 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.13 | 0.13 | 0.12 | 0.12 | 0.12 |
| Total Stockholder Equity | 0.28 | 0.28 | 0.27 | 0.26 | 0.26 | 0.25 | 0.25 | 0.23 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 | 0.24 | 0.24 | 0.24 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 26.33 | 25.43 | 25.19 | 26.31 | 25.94 | 25.32 | 26.89 | 26.40 | 26.97 | 24.76 | 23.31 | 19.67 | 18.70 | 17.92 | 17.72 | 16.70 | 16.21 | 15.12 | 15.19 | 15.02 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 11.75 | 10.86 | 8.65 | 6.10 | 4.53 | 3.98 | 1.51 | 1.26 | 1.04 | 0.90 | 0.88 | 0.95 |
| Net Interest Income | 19.79 | 18.85 | 18.26 | 18.13 | 17.54 | 16.30 | 16.71 | 14.97 | 15.22 | 13.90 | 14.66 | 13.57 | 14.18 | 13.94 | 16.21 | 15.44 | 15.17 | 14.22 | 14.31 | 14.07 |
| Provision for Credit Losses | 0.28 | 2.34 | 1.51 | 0.21 | 0.02 | 0.20 | 0.65 | 0.66 | 0.53 | 0.13 | -- | (0.11) | 0.03 | (0.06) | (0.02) | (0.16) | 0.38 | 0.05 | (0.51) | 0.31 |
| Non-interest Income | 5.35 | 4.69 | 5.60 | 5.70 | 5.25 | 5.22 | 5.99 | 6.41 | 4.08 | 3.93 | 4.61 | 3.58 | 3.65 | 3.58 | 3.63 | 3.58 | 3.53 | 3.55 | 4.35 | 4.11 |
| Non-interest Expense | 15.68 | 15.88 | 15.39 | 15.15 | 15.57 | 15.81 | 14.59 | 15.39 | 17.83 | 15.47 | 17.58 | 12.24 | 12.08 | 12.53 | 12.07 | 12.35 | 11.47 | 12.25 | 12.31 | 12.03 |
| Pretax Income | 9.19 | 5.32 | 6.96 | 8.47 | 7.20 | 5.52 | 7.46 | 5.33 | 0.94 | 2.23 | (0.53) | 5.02 | 5.72 | 5.06 | 7.79 | 6.83 | 6.85 | 5.47 | 6.85 | 5.84 |
| Tax Provision | 1.70 | 0.88 | 1.30 | 1.54 | 1.29 | 0.91 | 1.34 | 0.80 | 0.02 | 0.31 | (0.24) | 0.95 | 1.02 | 0.90 | 1.38 | 1.25 | 1.23 | 0.95 | 1.23 | 1.03 |
| Net Income | 7.49 | 4.44 | 5.66 | 6.94 | 5.92 | 4.61 | 6.12 | 4.53 | 0.93 | 1.92 | (0.29) | 4.07 | 4.69 | 4.16 | 6.41 | 5.58 | 5.62 | 4.52 | 5.63 | 4.82 |
| Basic EPS | 0.53 | 0.31 | 0.40 | 0.49 | 0.41 | 0.33 | 0.44 | 0.31 | 0.07 | 0.15 | (0.06) | 0.37 | 0.42 | 0.37 | 0.57 | 0.49 | 0.49 | 0.38 | 0.45 | 0.39 |
| Diluted EPS | 0.53 | 0.31 | 0.40 | 0.49 | 0.41 | 0.33 | 0.44 | 0.31 | 0.07 | 0.15 | (0.06) | 0.37 | 0.42 | 0.37 | 0.57 | 0.49 | 0.49 | 0.38 | 0.45 | 0.39 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 8.79 | 3.10 | 12.74 | 13.98 | 5.47 | 2.21 | 40.12 | 11.22 | 54.39 | (12.49) | 8.45 | 5.24 | 4.52 | 2.49 | 6.90 | 7.01 | 6.73 | 4.60 | 3.03 | 7.23 |
| Capital Expenditures | 1.36 | 0.34 | 0.35 | 0.31 | 0.24 | 0.07 | 0.38 | 1.42 | 1.14 | 0.86 | 0.88 | 0.61 | 0.52 | 0.59 | 0.33 | 0.27 | 0.22 | 0.06 | 0.74 | 0.27 |
| Free Cash Flow* | 7.43 | 2.77 | 12.40 | 13.67 | 5.23 | 2.14 | 39.75 | 9.79 | 53.25 | (13.35) | 7.57 | 4.63 | 4.00 | 1.90 | 6.57 | 6.74 | 6.50 | 4.54 | 2.30 | 6.96 |
| Investing Cash Flow | 9.79 | 9.33 | (14.97) | 45.66 | 11.55 | 9.81 | (1.52) | 28.80 | 21.86 | 12.26 | (12.24) | (18.07) | (34.75) | 7.31 | (20.31) | (2.91) | (9.63) | (12.07) | (26.57) | (26.41) |
| Financing Cash Flow | (22.90) | (4.86) | (12.02) | (73.55) | (4.91) | (10.10) | (42.23) | (35.52) | (74.33) | (6.54) | 0.09 | 30.23 | 24.38 | (0.62) | 6.65 | (6.46) | 14.78 | 9.27 | 17.83 | 20.12 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 | 0.21 | 0.21 | 0.21 | 0.21 | 0.20 | 0.20 | 0.20 | 0.20 | 0.19 |
