LCNB net income up 27% to $7.5M in Q2; plans debt issuance to refinance existing borrowings

Filed August 5, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 6, 2025 · ~2 min read

Key Changes

• high

  Net income rose 27% to $7.5M ($0.53/share) in Q2 2026 from $5.9M ($0.41/share) in Q2 2025, driven by margin expansion and higher net interest income.

  MD&A: Net Income verify on EDGAR →
• high

  Net interest margin expanded 52 basis points to 3.99% in Q2 2026 from 3.47% in Q2 2025, driven by higher loan yields and strategic runoff of $114.8M in higher-cost time deposits.

  MD&A: Net Interest Margin verify on EDGAR →
• high

  Provision expense jumped to $2.6M for H1 2026 from $215K in H1 2025, driven by specific reserves on four participated commercial loans identified in Q1 2026 due to borrower-specific challenges.

  MD&A: Provision for Credit Losses verify on EDGAR →