LCNB Corp. is a financial holding company headquartered in Lebanon, Ohio, operating through its subsidiary, LCNB National Bank — a community bank serving individuals and businesses across Southwestern and South Central Ohio and Northern Kentucky through 35 branch offices. LCNB's core business is traditional community banking: it takes in deposits and lends that money out at a higher rate, with the net interest margin driving the bulk of profitability. LCNB's loan book totals roughly $1.7B, heavily weighted toward commercial real estate (~64% of loans), followed by residential real estate (~28%) and commercial & industrial (~6%). On the funding side, LCNB raises deposits through checking, savings, money market, and CD accounts. LCNB also holds an investment securities portfolio of ~$261M, mostly U.S. Treasuries, agency notes, and mortgage-backed securities. Beyond core lending, LCNB offers wealth management services (trust administration, estate settlement, and investment management) and brokerage products through a third-party arrangement with LPL Financial. LCNB's competitive positioning centers on its community banking model — direct customer access to senior management and a local, relationship-driven service approach. LCNB's geographic concentration in the greater Cincinnati and Dayton metro areas allows for deep local market knowledge but also concentrates credit and economic risk in a single region.