LCNB CORP
LCNB Corp. (NASDAQ: LCNB) is a financial holding company headquartered in Lebanon, Ohio, with substantially all operations conducted through its wholly-owned subsidiary, LCNB National Bank. The Bank traces its origins to 1877 as a national banking association and became a subsidiary of LCNB Corp. in 1999. The company… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What LCNB CORP does
In the company’s own words
LCNB Corp. (NASDAQ: LCNB) is a financial holding company headquartered in Lebanon, Ohio, with substantially all operations conducted through its wholly-owned subsidiary, LCNB National Bank. The Bank traces its origins to 1877 as a national banking association and became a subsidiary of LCNB Corp. in 1999. The company also operates LCNB Risk Management, Inc., a captive insurance agency incorporated in Nevada.
The Bank operates as a community-focused financial institution serving Southwestern and South Central Ohio as well as Northern Kentucky. As of December 31, 2025, LCNB maintained 35 branch offices across ten Ohio counties including Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross, along with an operations center and 34 automated teller machines. The company employed 328 full-time and 35 part-time employees.
LCNB's core business encompasses traditional commercial and retail banking services. Loan products include commercial and industrial loans, commercial and residential real estate loans, agricultural loans, construction loans, consumer loans, and Small Business Administration loans. The Bank provides residential mortgage lending for home purchases, refinancing, and home equity lines of credit. Consumer lending activities focus on automobile, boat, home improvement, and personal loans.
Beyond lending, LCNB offers comprehensive wealth management services including trust administration, estate settlement, fiduciary services, and investment management for trusts, agency accounts, individual retirement accounts, and foundations. The Bank provides security brokerage services through arrangements with LPL Financial LLC, offering mutual funds, securities trading, annuities, and life insurance. Additional services include safe deposit boxes, cash management services, electronic banking, mobile banking, wire transfers, and notary services.
LCNB elected to become a financial holding company in 2000 under the Gramm-Leach-Bliley Act, expanding its authority to affiliate with securities and insurance companies and engage in activities deemed financial in nature. The company maintains compliance with extensive federal and state banking regulations, including capital adequacy standards based on Basel III framework, Community Reinvestment Act requirements, and consumer protection laws. LCNB competes with national and state banks, credit unions, savings institutions, and financial technology companies through its emphasis on personalized community banking service and direct access to senior management.
Company details
- Sector
- Financials
- Industry
- Commercial Banks
- Headquarters
- LEBANON, OH
- Fiscal year end
- December
- CIK
- 1074902
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns LCNB CORP — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · LCNB CORP’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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