LCNB Corp
lcnbcorp.comWhat Do They Do?
Offers loans and deposit services, trust and investment management, and brokerage services to individuals and businesses.
10-K for FY2025, filed Mar 11, 2026Loan products offered include commercial and industrial loans, commercial and residential real estate loans, agricultural loans…View ↗
The Wealth Management Division of the Bank provides complete trust administration, estate settlement, and fiduciary services and also…View ↗
Security brokerage services are offered by the Bank through arrangements with LPL Financial LLC, a registered broker/dealer. Licensed…View ↗
Other services offered include safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services…View ↗
How Do They Make Money?
Fiduciary and trust customers pay quarterly or annual fees for ongoing management of financial assets. Deposit-account income comes from periodic maintenance charges and fees for certain transactions, charged after a transaction is completed.
10-K for FY2025, filed Mar 11, 2026
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10-K for FY2025, filed Mar 11, 2026
FY2025 revenue by product or service ↗
$102.7M
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10-K for FY2025, filed Mar 11, 2026
$102.7M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Fiduciary and Trust
Recurring
10-K for FY2025, filed Mar 11, 2026 |
56%
FY2022: 51%
|
Fiduciary and Trust, FY2025
$9.5M Sources
|
Recurring |
|
Deposit Account
|
44%
FY2022: 49%
|
Deposit Account, FY2025
$7.4M Sources
|
Who Are Their Customers?
Individuals and businesses use the bank’s loan, deposit, and wealth services through its branches and online or mobile banking; LCNB also emphasizes access to bank officers.
10-K for FY2025, filed Mar 11, 2026Loan products offered include commercial and industrial loans, commercial and residential real estate loans, agricultural loans…View ↗
The Wealth Management Division of the Bank provides complete trust administration, estate settlement, and fiduciary services and also…View ↗
Other services offered include safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services…View ↗
35 offices, including a main office in Warren County, Ohio and branch offices in Warren, Butler, Clinton, Clermont, Fayette, Franklin…View ↗
The Bank seeks to minimize the competitive effect of other financial institutions through a community banking approach that emphasizes…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 23 cents of every revenue dollar as net income in FY2025 and turned 33 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
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