LCNB Corp. LCNB

LCNB Company Overview

LCNB Corp. is a U.S.-based financial holding company headquartered in Lebanon, Ohio, operating primarily through its wholly owned banking subsidiary, LCNB National Bank. The company provides commercial and retail banking services, wealth management, mortgage lending, and related financial services. It operates within the regional banking industry and generates the majority of its revenue through net interest income derived from loans, investment securities, and deposit-related activities. Additional revenue sources include service charges, trust and wealth advisory fees, and mortgage banking income.

The company primarily serves individuals, small and medium-sized businesses, municipalities, and agricultural customers across southwestern and central Ohio. Its strategic positioning is centered on community banking, emphasizing localized relationship management, conservative underwriting practices, and long-term customer retention. LCNB National Bank traces its origins to 1877, and the holding company structure was established in the 1990s to support expansion and broader financial operations. Over time, the company expanded through selective acquisitions and branch growth while maintaining a community-focused operating model.