# LCNB Corp. Reports Higher Third-Quarter Earnings as Interest Margins Expand

- URL: https://stocks.freetheai.org/news/lcnb-corp-reports-higher-third-quarter-earnings-as-interest-margins-expand-7cf613
- Published: 2026-10-15T20:05:00Z
- Category: earnings; sentiment: bullish; impact: medium
- Symbols: [NASDAQ:LCNB](https://stocks.freetheai.org/symbols/NASDAQ-LCNB)
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LCNB Corp. (LCNB) reported third-quarter net income of $7.3 million, or $0.51 per share, up from $6.9 million, or $0.49 per share, in the third quarter of 2025. For the nine-month period ended September 30, 2026, net income reached $19.2 million compared to $17.5 million in the prior year. The regional financial holding company expanded its net interest margin to 3.92%, up from 3.57% in the year-ago period, driven by lower borrowing costs and improved asset yields.

Net interest income for the quarter rose to $19.7 million from $18.1 million a year earlier. Non-interest income declined to $5.3 million from $5.7 million due to reduced service charges and lower loan sale gains, though fiduciary income from wealth management grew 12.7% during the first nine months to $7.9 million. Total assets reached $2.28 billion, while total deposits grew to $1.88 billion, bolstered by a $50 million public funds deposit. LCNB Corp. also completed a $25 million subordinated debt offering during the quarter to support expansion.

On the credit front, provision for credit losses rose to $453,000 from $211,000 in the third quarter of 2025, and net charge-offs increased to $727,000, primarily from a single participated loan relationship. Nonperforming loans increased to $4.1 million, largely due to one commercial real estate loan. Investors will continue watching credit quality trends, deposit retention, and the execution of the bank regional growth strategy.

## Key points

- LCNB Corp. reported third-quarter net income of $7.3 million, or $0.51 per share, up from $6.9 million, or $0.49 per share, a year earlier.
- Tax-equivalent net interest margin expanded to 3.92% from 3.57% in the third quarter of 2025, helping drive quarterly net interest income to $19.7 million.
- Total assets rose 1.7% year-over-year to $2.28 billion, and total deposits reached $1.88 billion, boosted by a $50 million public funds deposit.
- Net charge-offs rose to $727,000 for the quarter, mainly reflecting one participated loan relationship.
- The company paid a quarterly dividend of $0.22 per share, bringing year-to-date dividend payments to $0.66 per share.

## Questions and answers

### What were LCNB Corp. third-quarter 2026 earnings?

LCNB Corp. reported third-quarter net income of $7.3 million, or $0.51 per share, compared to $6.9 million, or $0.49 per share, in the third quarter of 2025.

### What was LCNB Corp. net interest margin in Q3 2026?

Tax-equivalent net interest margin was 3.92% in the third quarter of 2026, up from 3.57% in the third quarter of 2025.

### How much dividend did LCNB Corp. pay in Q3 2026?

LCNB Corp. paid a dividend of $0.22 per share for the third quarter of 2026, bringing total dividends for the first nine months to $0.66 per share.