LCNB Corp. announced today its third‑quarter 2025 results, reporting net income of $6.9 million and earnings per share of $0.49—an increase of 60% year‑over‑year. The bank’s tax‑equivalent net interest margin expanded to 3.57%, up from 2.84% in Q3 2024, driven by lower funding costs and higher loan yields. Net interest income rose to $18.1 million, a 20% increase, while non‑interest income totaled $5.7 million, down 11% due to lower loan‑sale gains but partially offset by higher fiduciary income.
The provision for credit losses was $211,000 and net charge‑offs were $169,000, resulting in a non‑performing loan ratio of 0.12% of total loans. LCNB paid a quarterly dividend of $0.22 per share, bringing the year‑to‑date dividend to $0.66 per share. The company highlighted a reduction in high‑cost certificates of deposit and the early payoff of low‑rate loans, which helped improve its net interest margin.
Management emphasized continued balance‑sheet optimization and plans to invest in its digital platform and talent. The bank expects growth in the first half of 2026 and maintains disciplined underwriting standards, positioning it for sustained profitability in a competitive regional banking environment.
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