Risk factors

LCNB (LCNB) risk factors

Item 1A of every LCNB Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    27 risks, 3 new, 3 dropped, 2 reworded since the prior year. LCNB added specific risks regarding intangible asset impairment from deposit competition and Federal Reserve leadership uncertainty.

    Filed Mar 11, 2026
  • FY2024 10-K risk factors

    27 risks. LCNB Corp's risk profile is dominated by geographic concentration in Ohio, heavy exposure to real estate and commercial loans, and strict banking regulations.

    Filed Mar 12, 2025