LCNB Reports Record Net Income of $23.1 Million for 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Commenting on the financial results, LCNB CEO, Eric Meilstrup said, "2025 was a transformative year for LCNB, reflecting the earnings power of our enhanced platform following the acquisitions of Eagle Financial Bancorp and Cincinnati Bancorp. During the year, we executed strategies aimed at proactively strengthening our balance sheet, expanding net interest margin, maintaining tight control over operating expenses, continuing the growth of LCNB Wealth Management, and further investing in our leadership team. I am pleased to report that these efforts contributed to record annual net income of $23.1 million in 2025, resulting in a 1.02% return on average assets for the full year and a 13.6% increase in tangible book value to $12.45 per share at December 31, 2025."
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About LCNB
LCNB Corp. is a financial holding company. The Company operates, through its wholly owned subsidiary, LCNB National Bank (the Bank), which serves customers and communities in Southwest and South-Central Ohio. The Bank operates over 36 offices; one branch office in Boone County, Kentucky. It offers various loan products, such as commercial and industrial loans, commercial and residential real estate loans, agricultural loans, construction loans, various types of consumer loans, and small business administration loans. The Bank's residential mortgage lending activities consist primarily of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. Other services offered include safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfer, electronic funds transfer, utility bill collections, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
LCNB Reports Q4 Earnings Results
- Earnings Per Share: LCNB reported a GAAP EPS of $0.40 for Q4, indicating stable profitability amidst a challenging market environment, which may reassure investors about its financial health.
- Revenue Performance: The company achieved revenue of $23.86 million, reflecting a relatively stable revenue stream during the quarter, showcasing its operational resilience despite external pressures.
- Financial Health: LCNB's financial information indicates a solid balance sheet, and while specific debt figures were not disclosed, the overall profitability and revenue growth lay a strong foundation for future development.
- Dividend Performance: The dividend scorecard for LCNB highlights the company's commitment to returning value to shareholders, and while specific dividend data was not provided, the stable earnings may support future dividend payments.
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LCNB Reports Record Net Income of $23.1 Million for 2025
- Record Net Income: LCNB achieved a record net income of $23.1 million in 2025, representing a 71.5% increase from 2024, reflecting enhanced profitability following the acquisitions of Eagle Financial and Cincinnati Bancorp, thereby strengthening its market competitiveness.
- Sustainable Growth Strategy: In 2025, LCNB's sustainable growth strategy focused on strengthening its balance sheet, expanding net interest margin, and controlling operating expenses, ensuring a return on assets of 1.02% for the year, laying a solid foundation for future stability.
- Wealth Management Asset Surge: As of December 31, 2025, LCNB's wealth management assets increased by 12.9% year-over-year to $1.56 billion, driving fiduciary income to $9.5 million for the full year, showcasing the company's strong performance in the wealth management sector.
- Credit Loss Provision Adjustment: Although the provision for credit losses rose to $1.5 million in the fourth quarter, primarily due to a loan in the logistics sector, LCNB maintained strong asset quality with nonperforming loans at just 0.14%, demonstrating effective risk management.
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