LCNB CORP: management transactions · United States · SEC (Form 4)

About LCNB CORP

LCNB Corp. is a U.S.-listed financial services company trading on the NASDAQ Capital Market under the ticker LCNB. It is organized as a financial holding company, with LCNB National Bank as its primary operating subsidiary. The company is headquartered in Lebanon, Ohio, in the United States, and has a long operating history rooted in community banking across Southwest Ohio and Northern Kentucky. For French-speaking investors, LCNB should be viewed as a regional/community-bank franchise rather than a national money-center institution. ([businesswire.com](https://www.businesswire.com/news/home/20231128119216/en/LCNB-Corp.-Agrees-to-Acquire-Eagle-Financial-Bancorp-Inc.)) LCNB’s business model spans several core banking lines: demand and savings deposits, residential and consumer lending, commercial lending to small and mid-sized businesses, agricultural lending, treasury and deposit services, online banking, and fee-based solutions such as investment services, trust, IRAs, and brokerage-related stock purchases. The company’s positioning is built around relationship banking, local credit decisions, and a customer-centric branch network rather than scale-driven national distribution. Its footprint is concentrated in several counties in Ohio, with an additional presence in Northern Kentucky. ([businesswire.com](https://www.businesswire.com/news/home/20231128119216/en/LCNB-Corp.-Agrees-to-Acquire-Eagle-Financial-Bancorp-Inc.)) From a competitive standpoint, LCNB operates in the highly fragmented U.S. community and regional banking market, where deposit stability, disciplined underwriting, and local brand trust are often more important than sheer size. The bank competes by leveraging its local heritage and by selectively expanding through acquisitions. A key strategic example was the announced acquisition of Eagle Financial Bancorp, designed to strengthen LCNB’s Cincinnati-area presence and further establish it as one of the larger community banks in Southwest Ohio. ([businesswire.com](https://www.businesswire.com/news/home/20231128119216/en/LCNB-Corp.-Agrees-to-Acquire-Eagle-Financial-Bancorp-Inc.)) Recent developments suggest a company in an active growth and integration phase. In 2025, management described the year as “transformative,” citing the earnings contribution from recent acquisitions and balance-sheet optimization. LCNB reported record annual net income of $23.1 million for 2025 and an increase in tangible book value per share, while continuing to pay quarterly cash dividends. That combination of earnings improvement, capital growth, and shareholder returns is central to the investment case. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1074902/000143774926002406/ex_892396.htm?utm_source=openai)) In summary, LCNB Corp. is a traditional U.S. community bank with a regional footprint, a long-standing local franchise, and a measured acquisition strategy. Listed on the NASDAQ Capital Market in the United States, it offers investors exposure to local lending, deposit gathering, and wealth-oriented banking services, with recent news pointing to ongoing consolidation benefits and improved operating performance. ([businesswire.com](https://www.businesswire.com/news/home/20231128119216/en/LCNB-Corp.-Agrees-to-Acquire-Eagle-Financial-Bancorp-Inc.))