LCNB FINANCIAL STATEMENTS

LCNB Corporation — balance sheet, income statement and cash flow trends

LCNBLCNB Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue124.1 M $-2.5%

Gross Profit89.9 M $+8.5%

Operating Income28 M $+45.2%

EBITDA28.3 M $+42.6%

Net Income23 M $+41.8%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
LCNB	—	—	—	18.5%
ISBTR	—	—	—	28.1%
ICBCT	—	—	—	24.7%
ISATR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity275.8 M $12%
Current Liabilities26.2 M $1%
Long-term Liabilities1.9 B $87%

Key Figures

YoY change

Total Assets2.2 B $-2.8%

Total Liabilities2 B $-4.0%

Total Equity275.8 M $+6.6%

Cash & ST Investments23.1 M $-82.5%

Total Debt110.9 M $-0.0%

Net Debt87.8 M $+20.2%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
LCNB	1.20	40.2%	3.10	12.3%
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
ISATR	—	0.0%	-28.34	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
LCNB	1.20	40.2%	3.10	12.3%
ATLO	53.78	26.5%	-23.31	9.7%
VABK	0.02	15.8%	0.25	11.3%
BPRN	0.12	7.8%	-7.78	12.1%
CFFI	1.35	38.9%	-8.44	9.4%
NKSH	0.07	1.0%	-4.46	10.2%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow35.3 M $-67.1%

Capital Expenditures1.2 M $-59.3%

Free Cash Flow34.1 M $-67.4%

Dividends Paid-12.5 M $-200.7%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
LCNB	28.4%	27.4%	1.0%	153.7%
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISATR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
LCNB	28.4%	27.4%	1.0%	153.7%
ATLO	22.7%	22.5%	1.0%	104.8%
VABK	31.9%	31.6%	1.1%	132.2%
BPRN	18.6%	17.9%	0.7%	130.7%
CFFI	7.3%	5.8%	1.4%	48.6%
NKSH	21.6%	22.0%	3.1%	106.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.