LCNB on Nasdaq

LCNB CORP

LCNB CORP is an American national commercial bank that raised $25 million in 2026 (SEC Form D).1 It is headquartered in Lebanon, Ohio.1

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Last updated Oct 20, 2026.

Overview

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  • TickerLCNB on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersLebanon, Ohio1
  • Incorporated inOH2
  • Business address2 North Broadway, Po Box 59, Lebanon, Oh 450362
  • Filer categoryAccelerated filer2
  • Legal formCorporation

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These forward-looking statements reflect management's current expectations based on all information available to management and its knowledge of LCNB’s business and operations. Additionally, LCNB’s financial condition, results of operations, plans, objectives, future performance and business are subject to risks and uncertainties that may cause actual results to differ materially. These factors include, but are not limited to:4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Fiduciary and Trust brought in 56% of the revenue LCNB CORP broke down this way in fiscal 2025.

  1. Fiduciary and Trust$9.5M556%up 13% from 2024
  2. Deposit Account$7.4M544%up 9% from 2024
Products and services by year
Products and services202320242025
Fiduciary and Trust$7.1M$8.4M$9.5M
Deposit Account$5.9M$6.8M$7.4M

Financial statements

Net income67895$23.1M in 2025+22% since 2019
0$10.0M$20.0M$30.0M2019: $18.9M$18.9M20192020: $20.1M$20.1M2020+6%2021: $21.0M$21.0M2021+4%2022: $22.1M$22.1M2022+6%2023: $12.6M$12.6M2023−43%2024: $13.5M$13.5M2024+7%2025: $23.1M$23.1M2025+71%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$94.3M$96.5M$71.9M
With a readily determinable fair value$43.0K$38.0K$43.0K
Without a readily determinable fair value$130.0K$146.0K$132.0K
Taxable$4.9M$4.8M$5.2M
Non-taxable$625.0K$607.0K$688.0K
Other investments$2.8M$2.9M$1.6M
TOTAL INTEREST INCOME$102.7M$105.0M$79.6M
Interest on deposits$27.1M$35.8M$16.6M
Interest on short-term borrowings$3.0K$1.1M$4.1M
Interest on long-term debt$5.4M$7.3M$2.6M
TOTAL INTEREST EXPENSE$32.5M$44.2M$23.2M
NET INTEREST INCOME$70.2M$60.8M$56.3M
PROVISION FOR CREDIT LOSSES$1.9M$2.0M$2.1M
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES$68.3M$58.8M$54.3M
Net losses on sales of debt securities, available-for-sale$0-$214.0K$0
Bank owned life insurance income$1.4M$1.7M$1.1M
Net gains from sales of loans$2.9M$3.4M$697.0K
Other operating income$501.0K$316.0K$631.0K
TOTAL NON-INTEREST INCOME$21.8M$20.4M$15.4M
Salaries and employee benefits$35.5M$35.2M$29.1M
Equipment expenses$1.5M$1.6M$1.6M
Occupancy expense, net$4.0M$3.7M$3.3M
State financial institutions tax$1.7M$1.9M$1.6M
Marketing$1.2M$1.0M$1.1M
Amortization of core deposit intangibles$1.1M$1.1M$532.0K
FDIC insurance premiums, net$1.5M$1.9M$932.0K
Computer maintenance and supplies$1.5M$1.4M$1.4M
Contracted services$3.5M$3.2M$2.8M
Merger-related expenses$140.0K$3.4M$4.7M
Other non-interest expense$10.2M$8.8M$7.4M
TOTAL NON-INTEREST EXPENSE$61.9M$63.3M$54.4M
INCOME BEFORE INCOME TAXES$28.2M$16.0M$15.3M
Income Tax Expense (Benefit)$5.0M$2.5M$2.6M
NET INCOME$23.1M$13.5M$12.6M
Basic (in dollars per share)$1.63$0.97$1.10
Diluted (in dollars per share)$1.63$0.97$1.10
Basic (in shares)14.1M shares13.8M shares11.4M shares
Diluted (in shares)14.1M shares13.8M shares11.4M shares

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Corporate structure

LCNB CORP sits at the top of its group. 3 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of LCNB CORP

  • BlackRock Filed SC 13G on LCNB CORP, latest Nov 8, 2024 (2 filings since Oct 23, 2024)
  • John C. Lame Filed SC 13D/A on LCNB CORP, latest Feb 11, 2022 (4 filings since Oct 21, 2021)
  • LCNB CORP Lebanon, Ohio
    • LCNB National Bank, a national banking association, organized under the laws of the United States, and headquartered in Subsidiary · Lebanon
    • LCNB Risk Management, Inc., organized under the laws of the State of Nevada, and headquartered in Las Vegas, Subsidiary · Nevada, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What LCNB CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$9.3M9 Dec 31, 2024$8.8M9 Dec 31, 2023+5.3%
Buildings and improvements$42.5M9 Dec 31, 2024$32.3M9 Dec 31, 2023+31.5%
Machinery and equipment$19.6M9 Dec 31, 2024$18.6M9 Dec 31, 2023+5.5%
Construction in progress$15.0K9 Dec 31, 2024$5.1M9 Dec 31, 2023−99.7%
Property and equipment, before depreciation$71.5M5 Dec 31, 2025$71.4M5 Dec 31, 2024+0.2%
Accumulated depreciation$32.4M5 Dec 31, 2025$30.3M5 Dec 31, 2024+6.7%
Property and equipment, net$39.2M5 Dec 31, 2025$41.0M5 Dec 31, 2024−4.5%
Operating-lease assets (leased space)$6.5M5 Dec 31, 2025$5.8M5 Dec 31, 2024+11.9%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$21.6M5 Dec 31, 2025$35.7M5 Dec 31, 2024−39.5%
Debt securities available for sale$232.3M5 Dec 31, 2025$258.3M9 Dec 31, 2024−10.1%
Debt securities held to maturity$16.3M9 Dec 31, 2024$16.9M9 Dec 31, 2023−3.2%
Loans, net of allowance$1.7B5 Dec 31, 2025$1.7B5 Dec 31, 2024−1.1%
Deposits held (banks)$1.8B5 Dec 31, 2025$1.9B5 Dec 31, 2024−2.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$90.3M5 Dec 31, 2025$90.3M5 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$9.3M5 Dec 31, 2025$11.1M5 Dec 31, 2024−16.5%
Finite-lived intangibles, gross$22.8M5 Dec 31, 2025$22.8M5 Dec 31, 20240%
Accumulated amortization$13.6M5 Dec 31, 2025$11.7M5 Dec 31, 2024+15.6%
Finite-lived intangibles, net$9.3M5 Dec 31, 2025$11.1M5 Dec 31, 2024−16.5%

Properties, in its own words

LCNB owns its main office in Lebanon, Ohio, which is approximately 28 thousand square feet and houses its executive, wealth management, and certain administrative personnel. As of December 31, 2025, LCNB owns an additional 27 branch locations and leases an additional seven branch locations, pursuant to operating leases. The Main Office, Oxford, Eaton, Bridgetown, and Hyde Park locations have excess space that is currently being leased to third parties. An operations center in Lebanon, Ohio is currently being leased from the Warren County Port Authority. Upon expiration of the lease in 2027, LCNB has the option to purchase the property for $1.00. Management believes that LCNB's banking and other offices are in good condition and suitable to its needs.

Item 2 of the 10-K filed Mar 11, 2026.4

Leadership

Who has led LCNB CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Eric J. Meilstrup2020–now

President

  1. David S. Beckett2008–2010
  2. Eric J. Meilstrup2019–2026
  3. Robert C. Haines Ii.2026–now

Chief financial officer

  1. Robert C. Haines Ii.2008–2025
  2. Andrew Michael Wallace2025–now
2010201520202025
Board members and other officers (26)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerBradley A. Cropper named Aug 24, 202643
  • Executive OfficerMichael R. Miller named Aug 24, 202643
  • DirectorCraig M. Johnson named Aug 24, 202643
  • DirectorStephen P. Wilson named Aug 24, 202643
  • DirectorSteve P. Foster named Aug 24, 202643

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • LCNB National Bank, a national banking association, organized under the laws of the United States, and headquartered in Lebanon, Ohio.3
  • LCNB Risk Management, Inc., organized under the laws of the State of Nevada, and headquartered in Las Vegas, Nevada.3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Oct 15, 20268-K Results of operations; Regulation FD disclosure44
  2. Sep 17, 20268-K Executive or director change45
  3. Aug 19, 20268-K Executive or director change46
  4. Aug 7, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure47
  5. Aug 7, 20268-K Regulation FD disclosure48
  6. Jul 15, 20268-K Results of operations; Regulation FD disclosure49
  7. Apr 30, 20268-K Shareholder vote50
  8. Apr 22, 20268-K Results of operations; Regulation FD disclosure51
  9. Feb 2, 20268-K Regulation FD disclosure52
  10. Jan 29, 20268-K Results of operations; Regulation FD disclosure53
  11. Nov 3, 20258-K Regulation FD disclosure54
  12. Oct 22, 20258-K Results of operations; Regulation FD disclosure55
  13. Feb 18, 2020New chief executive Eric J. Meilstrup becomes CEO13

Calendar

Coming up

  1. Around Jan 15, 2027Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Oct 15, 2026Reported quarterly or annual results44
  2. Jul 15, 2026Reported quarterly or annual results49
  3. Apr 22, 2026Reported quarterly or annual results51
  4. Jan 29, 2026Reported quarterly or annual results53
  5. Oct 22, 2025Reported quarterly or annual results55
  6. Jul 22, 2025Reported quarterly or annual results56
  7. Apr 22, 2025Reported quarterly or annual results57
  8. Jan 30, 2025Reported quarterly or annual results58

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

279 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 53 major events, 146 insider forms, 6 large holders, 2 private raises, 51 other. The latest 20:

  1. Oct 15, 20268-K EDGAR
  2. Sep 17, 20268-K EDGAR
  3. Aug 28, 20264 EDGAR
  4. Aug 24, 2026D/A EDGAR
  5. Aug 21, 2026D EDGAR
  6. Aug 20, 20263 SUSAN ZAUNBRECHER FORM 3 EDGAR
  7. Aug 19, 20268-K EDGAR
  8. Aug 17, 20264 EDGAR
  9. Aug 10, 202613F-HR EDGAR
  10. Aug 7, 20268-K EDGAR
  11. Aug 7, 20268-K EDGAR
  12. Aug 5, 202610-Q EDGAR
  13. Jul 28, 2026N-PX EDGAR
  14. Jul 15, 20268-K EDGAR
  15. May 29, 20264 EDGAR
  16. May 18, 20264 EDGAR
  17. May 11, 202613F-HR EDGAR
  18. May 6, 202610-Q EDGAR
  19. Apr 30, 20268-K EDGAR
  20. Apr 22, 20268-K EDGAR

The 279 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

51 open-market trades by officers, directors and large owners since October 2021: 47 buys and 4 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 27, 2026Meilstrup Eric JCEOBuy400$19.34$7.7KForm 4
Aug 17, 2026Haines Robert C IIPresidentBuy500$19.75$9.9KForm 4
May 28, 2026Meilstrup Eric JCEOBuy400$16.95$6.8KForm 4
May 15, 2026Haines Robert C IIPresidentBuy500$15.78$7.9KForm 4
Feb 4, 2026Miller Michael RobertExecutive Vice PresidentSale2,759$17.75$49.0KForm 4
Nov 19, 2025Meilstrup Eric JCEOBuy500$15.32$7.7KForm 4
Nov 12, 2025Huddle William GDirectorSale3,000$15.51$46.5KForm 4
Aug 20, 2025Mulligan Lawrence P Jr.Executive Vice PresidentBuy100$15.19$1.5KForm 4
May 28, 2025Meilstrup Eric JCEOBuy200$14.51$2.9KForm 4
May 23, 2025Mulligan Lawrence P Jr.Executive Vice PresidentBuy1,000$14.37$14.4KForm 4
Apr 29, 2025Lawson Takeitha WDirectorBuy60$14.90$894Form 4
Feb 26, 2025FOSTER STEVE PDirectorBuy1,000$14.70$14.7KForm 4
Feb 17, 2025Meilstrup Eric JCEOBuy500$17.43$8.7KForm 4
Nov 26, 2024Meilstrup Eric JCEOBuy250$17.54$4.4KForm 4
Nov 25, 2024Krehbiel Anne EDirectorBuy500$17.81$8.9KForm 4
Nov 25, 2024Miller Michael RobertExecutive Vice PresidentSale1,083$17.81$19.3KForm 4
Nov 13, 2024Miller Michael RobertExecutive Vice PresidentSale1,000$16.96$17.0KForm 4
Nov 7, 2024Mulligan Lawrence P Jr.Executive Vice PresidentBuy1,000$16.83$16.8KForm 4
Oct 29, 2024Johnson Craig MillisDirectorBuy1,000$15.41$15.4KForm 4
Aug 29, 2024Meilstrup Eric JCEOBuy350$15.39$5.4KForm 4

All 51 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • BlackRockSC 13G, 2 filings Oct 23, 2024 to Nov 8, 202459
  • John C. LameSC 13D/A, 4 filings Oct 21, 2021 to Feb 11, 202260

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Eric J. Meilstrup$500.0K$892.9K61
2025Robert C. Haines II$298.9K$526.2K61
2025Bradley A. Ruppert$274.0K$463.3K61
2025Michael R. Miller$292.0K$398.3K61
2025Andrew Wallace$204.0K$262.4K61
2024Chief Executive Officer,$470.0K$591.7K61
2024President$282.0K$366.8K61
2024Executive VicePresident and$282.0K$352.4K61
2023Director$431.0K$821.6K61
2023President$268.0K$481.8K61
2023Chief Investment Officer$250.0K$426.3K61
2023Trust Officer$268.0K$390.3K61

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Aug 7, 2026Raised $25 million in a private offering of debt Form D: 20 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Bluespring Wealth Management, LLC1,087,854$19.1M0.4%New
BlackRock, Inc.959,927$16.9M0.0%+134,162
Vanguard Capital Management LLC549,013$9.7M0.0%+2,452
Dimensional Fund Advisors LP548,355$9.6M0.0%+24,828
Ritter Daniher Financial Advisory LLC / DE543,927$9.6M1.5%−1,000
Lcnb Corp505,963$8.9M2.7%−3,500
Geode Capital Management, LLC360,333$6.3M0.0%+34,833
State Street Corp183,101$3.2M0.0%+728
Renaissance Technologies LLC152,816$2.7M0.0%−3,467
Johnson Investment Counsel Inc135,561$2.4M0.0%−1,345
Bridgeway Capital Management, LLC124,930$2.2M0.0%+4,501
Northern Trust Corp109,435$1.9M0.0%+11,318
Goldman Sachs Group Inc99,077$1.7M0.0%+9,279
American Financial Group Inc93,582$1.6M0.6%No change
Vanguard Portfolio Management LLC92,795$1.6M0.0%+14,928
Kapstone Financial Advisors LLC85,667$1.5M0.6%−400
Vanguard Fiduciary Trust Co85,513$1.5M0.0%+1,132
Empowered Funds, LLC81,330$1.4M0.0%+4,501
Cetera Investment Advisers80,042$1.4M0.0%+212
Raymond James Financial Inc72,749$1.3M0.0%+9,232
Morgan Stanley70,179$1.2M0.0%+2,566
Connor, Clark & Lunn Investment Management Ltd.61,680$1.1M0.0%+58
HORAN Wealth, LLC60,964$1.1M0.1%−17,637
Aqr Capital Management LLC60,253$1.1M0.0%+21,593
Bank of New York Mellon Corp57,300$1.0M0.0%+1,299

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How LCNB CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARLCNB CORP1
  • CIK0001074902
  • Employer ID (EIN)31-16263934
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inOhio4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address2 North Broadway, Po Box 59, Lebanon, OH 450361
  • Phone51393214141
  • Shares outstanding14,254,988 as of Aug 5, 202611
  • Public float$206.0M as of Jun 30, 20254
  • AuditorPlante & Moran PLLC, Columbus, Ohio PCAOB ID 166; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceJan 21, 19991
  • Filings936 in all: 4 (397), 8-K (198), 10-Q (82), 13F-HR (39), 10-K (27), DEF 14A (27), SC 13G (27), 3 (19)1
    All 37 form types

    5 (11), UPLOAD (11), EFFECT (10), SC 13G/A (10), CORRESP (9), S-4/A (9), 4/A (8), S-4 (7), PRE 14A (6), S-3 (6), SC 13D/A (4), 424B3 (3), 8-K/A (3), N-PX (3), 144 (2), 424B5 (2), DEFA14A (2), S-3/A (2), S-8 (2), 10-K/A (1), 10-Q/A (1), 3/A (1), 8-A12B (1), 8-A12G (1), CERTNAS (1), D (1), D/A (1), RW (1), SC 13D (1)

  • Latest filingsAnnual report (10-K) Mar 11, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Mar 12, 2026
    Latest 8-K (8-K) Oct 15, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, No Par ValueLCNBNASDAQ

From the cover page of the 10-K filed Mar 11, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks LCNB CORP names in Item 1A of its 10-K filed Mar 11, 2026: 3 risks under these headings, as written.4

  • Risks Related to Economic and Market Conditions
  • Risks Related to LCNB's Operations
  • General Risk Factors

Legal proceedings

Except for routine litigation incidental to its businesses, LCNB is not a party to any material pending legal proceedings and none of its property is the subject of any material proceedings.

The opening of Item 3, Legal Proceedings.4

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