LCNB

LCNB CORP

7 filings tracked

financialsasset managementSMALL ($300M-2B)

Signal Magnitude Chart

bullish

bearish

neutral

Signal Timeline

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

bullishMay 6

Net interest margin surged from 3.25% to 3.83% due to disciplined deposit cost management.

margin expansion

90%

bearishMay 6

Net income slightly declined to $4.4M from $4.6M due to a spike in credit provisions.

earnings miss

40%

neutralMay 6

Maintained well-capitalized status with a CET1 ratio of 11.28%.

regulatory action

20%

Filing History

10-QMay 6, 2026

The Q1 2026 filing presents a dichotomy between immediate operational efficiency and long-term structural risk. On one hand, LCNB has successfully optimized its funding costs to drive a significant jump in net interest margin, proving its ability to manage liabilities in a volatile rate environment. The increase in net interest income to $18.8 million provides a strong cushion against the $2.3 million provision for credit losses, which management characterizes as non-recurring and specific to the logistics sector. However, the overarching risk remains the bank's heavy tilt toward commercial real estate. While the current non-performing loan ratio is low, the sheer volume of CRE assets relative to total loans creates a binary outcome for investors: either the local Ohio economy remains resilient, or the bank faces a systemic credit event. The synthesis of this filing suggests that while the 'earnings engine' is currently humming, the 'safety valve' of the balance sheet is being tested by sector-specific concentrations and a shifting deposit landscape.