LCNB reports record Q2 2026 earnings of $7.5M, up 27% on 52bp margin expansion to 3.99%

Filed July 15, 2026 · Period ending July 15, 2026 · ~2 min read

Key Changes

• high

  Net income rose 27% to $7.5M ($0.53/share) in Q2 2026, driven by net interest margin expansion of 52 basis points to 3.99% and net interest income growth of 12.8% to $19.8M. Return on average assets improved to 1.34%.

  Exhibit 99.1 view on EDGAR →
• high

  Tangible book value per share grew 10.4% year-over-year to $12.90, with management noting the company earned back the dilution from the November 2023 Cincinnati Federal acquisition during the first half of 2026.

  Exhibit 99.1 view on EDGAR →
• medium

  Net charge-offs rose to $2.7M (0.32% of average loans annualized) for the six months ended June 30, 2026, from $118K (0.01%) in the prior-year period, primarily reflecting the resolution of two unrelated credits in the logistics sector.

  Exhibit 99.1 view on EDGAR →