LCNB stock reports record second quarter profit

Published on 10/07/2026 at 02:25 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

LCNB stock centers on USD 7.5 million of Q2 net income versus USD 5.9 million in 2025. The October 27, 2026 earnings date sets the next checkpoint.

LCNB, US50181P1003, Illustration mit AI erstellt.

LCNB stock is tied to a USD 268.3 million market capitalization as of October 6, 2026, while the regional bank heads toward its next earnings date. The latest reported quarter delivered record net income and a wider interest margin, but deposits and loans both declined year over year.

Record profit sets the benchmark

According to StockTitan, LCNB reported second-quarter 2026 net income of USD 7.5 million, compared with USD 5.9 million in the second quarter of 2025. Diluted EPS rose to USD 0.53 from USD 0.41 over the same period, giving investors a clear year-over-year earnings comparison.

The tax-equivalent net interest margin reached 3.99 percent in Q2 2026, an increase of 52 basis points from a year earlier. Net interest income rose to USD 19.8 million, up 12.8 percent, while return on average assets reached 1.34 percent, according to StockTitan.

Balance sheet shows the counterweight

Profitability was not the only signal in the June 30, 2026 results. Total assets stood at USD 2.22 billion, down 3.6 percent from June 30, 2025, while net loans reached USD 1.69 billion, down 0.9 percent, and deposits declined 5.2 percent to USD 1.82 billion.

That mix matters because LCNB's margin expansion came alongside a strategic runoff of higher-cost time deposits. Six-month net charge-offs reached USD 2.7 million, while nonperforming loans were USD 5.8 million, or 0.34 percent of total loans, according to StockTitan.

October earnings date approaches

Investing.com lists a Neutral consensus from two analysts and an average 12-month price target of USD 21.25. Its Q2 comparison shows EPS of USD 0.53 against a USD 0.44 forecast and revenue of USD 25.14 million against USD 24.00 million.

According to AltIndex on October 6, 2026, LCNB is scheduled to report on October 27, 2026, with a consensus EPS estimate of USD 0.43 for the next quarter. The date gives the market a defined checkpoint for whether margin gains can offset the balance-sheet contraction.

Market value remains below yearly high

LCNB's market capitalization was USD 268.3 million on October 6, 2026. The same market snapshot showed a 52-week range of USD 14.31 to USD 21.32 and volume of 15,942 shares, placing the bank in a small-cap regional banking segment.