Cincinnati Bancorp: insider trades · United States · SEC (Form 4)

About Cincinnati Bancorp

Cincinnati Bancorp was a small U.S. regional banking franchise historically focused on the Cincinnati metropolitan area and Northern Kentucky. For investors reviewing its SEC history and legacy insider filings, it is important to note that Cincinnati Bancorp no longer exists as an independent listed equity: the company was acquired by LCNB Corp., and the merger closed on November 1, 2023. The former issuer was a community banking platform built around relationship-based deposit gathering and lending in a highly localized footprint. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1074902/000107490223000097/lcnb-20231101.htm?utm_source=openai)) Historically, Cincinnati Bancorp served as the holding company for Cincinnati Federal, a federally chartered stock savings and loan association. At the time the transaction was announced in May 2023, the institution operated five full-service offices — four in Cincinnati, Ohio, and one in Florence, Kentucky — and reported approximately $304.7 million in assets, $262.9 million in loans, $223.6 million in deposits, and $40.3 million in consolidated stockholders’ equity. Those figures underscore that Cincinnati Bancorp was a small community lender rather than a scaled regional bank, with a business model centered on local retail and commercial relationships. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1074902/000107490223000065/form20230518xpressrelease.htm?utm_source=openai)) From a business-line perspective, the franchise was straightforward and traditional: deposit products, residential mortgage lending, commercial real estate lending, consumer lending, and core banking services for households, small businesses, and local professionals. Its competitive advantage was not national scale, but proximity, local market knowledge, and a community-oriented relationship model. In the U.S. banking landscape, that placed Cincinnati Bancorp squarely in the community bank category, competing primarily on service quality, local decision-making, and customer retention rather than on product breadth or geographic reach. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1074902/000107490223000065/form20230518xpressrelease.htm?utm_source=openai)) For market context, Cincinnati Bancorp was not a NYSE or NASDAQ standalone listing at the end of its life cycle; it was associated with the OTC market prior to the merger. The strategic outcome was absorption into LCNB Corp., which stated that the deal would expand its Cincinnati-market presence and strengthen its community banking franchise across the Ohio River into Northern Kentucky. That transaction is the key recent event investors should use when interpreting the company’s legacy filings, including historical Form 4 insider activity. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1074902/000107490223000065/form20230518xpressrelease.htm?utm_source=openai)) Geographically, the business was entirely domestic, operating in the United States with a narrow regional focus. The defining recent milestone was the May 2023 merger agreement and the November 1, 2023 closing, which ended Cincinnati Bancorp’s status as an independent public company. As a result, the name remains relevant mainly for historical research, SEC document tracing, and pre-merger ownership analysis rather than for current standalone equity coverage. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1074902/000107490223000065/form20230518xmergeragreeme.htm?utm_source=openai))