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LCNB Corp.: Business Overview, Financials & Competitive Analysis

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company operates through its wholly owned subsidiary, LCNB National Bank, which serv...

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AskCyborg analysts argue the bull and bear cases for LCNB Corp. across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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6/ 10Solid

Cyborg Score thesis

LCNB offers a high-yield dividend play with improving operational metrics, suitable for income-focused investors with regional...

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Industry Regional Banking / Community Banking
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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LCNB Corp. Overview

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LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company operates through its wholly owned subsidiary, LCNB National Bank, which serves customers and communities in Southwest and South-Central Ohio and Northern Kentucky, with over 36 full-service banking offices in Ohio and one branch office in Northern Kentucky.

Strategic Profile

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LCNB is a regional bank with a notable 6.06% dividend yield and strong earnings momentum. In 2024, LCNB Corp.'s revenue was $79.24 million (up 13.71% from prior year) with earnings of $13.41 million (up 6.92%). LCNB announced four executive promotions as part of a succession plan to support its growth strategy.

Competitive Landscape

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LCNB competes in the fragmented community banking sector against larger regional banks and national institutions. Comparable competitors include D&D Bancorp, MidWestOne Financial Group, Ottawa Bancorp, and Sturgis Bancorp. As a sub-$300 million market cap bank, LCNB faces scale disadvantages but leverages local market presence and relationship banking.

Industry Context

LCNB Corp. operates in Regional Banking / Community Banking.

Key facts

Headquarters: Lebanon, Ohio · Employees: 346 · Revenue: $79.24M (2024) · Market cap: $207.54M

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on LCNB Corp..

  • Strong revenue growth of 13.71% YoY in 2024 indicates successful execution of growth strategy
  • Leadership succession plan with four executive promotions suggests organizational depth and continuity
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Recent developments

Material events tracked by the AskCyborg corpus.

  • December 2024LCNB announced full-year 2024 results with 13.71% revenue growth and 6.92% earnings growth
  • November 2025Executive leadership changes and succession planning announced
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

D&D BancorpRegional community bank with similar market capitalization→MidWestOne Financial GroupMidwest-focused regional bank→Orrstown Financial ServicesCommunity banking competitor with regional focus→

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Industry context

LCNB Corp. operates in Regional Banking / Community Banking. See how the rest of the sector scores on the Cyborg framework.

Top companies in Regional Banking by Cyborg Score

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Frequently asked questions

What does LCNB Corp. do?+
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company operates through its wholly owned subsidiary, LCNB National Bank, which serv...
What is LCNB Corp.'s Cyborg Score?+
LCNB Corp. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are LCNB Corp.'s main competitors?+
Named competitors include D&D Bancorp, MidWestOne Financial Group, Orrstown Financial Services. The full competitive landscape is in the AskCyborg report.
How can I get the full LCNB Corp. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the LCNB Corp. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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