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LCNB LCNB Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

KeyCorp logo
KeyCorpKEY
$4.44B+0.8%
ACNB logo
ACNBACNB
$105.67M+6.9%
Citizens Community Bancorp logo
Citizens Community BancorpCZWI
$27.13M+3.2%
Farmers National Banc Corp logo
Farmers National Banc CorpFMNB
$153.09M+31.1%
CNB Financial logo
CNB FinancialCCNE
$160.49M+35.6%
Old National Bancorp logo
Old National BancorpONB
$1.05B+22.8%

Other financials

Income statement

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Revenue$19.3M+8.3%
Net income$4.4M-3.6%
EPS (diluted)$0.07-83.3%

Balance sheet

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Cash & equivalents$29.2M-22.5%
Total debt$110.9M0.0%
Total equity$275.8M+6.6%
Total assets$2.2B-2.8%

Cash flow

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Operating cash flow$3.1M+40.2%
CapEx$335.0K+379%
Free cash flow$2.8M+29.1%

Valuation

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Market cap$250.59M+22.8%
Enterprise value$332.3M+25.0%
P/E10.9×+1.3×
P/S3.4×+0.4×

Profitability

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Net margin9.4%-18.7pp
FCF margin75.9%+45.3pp

Returns & leverage

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Return on equity8.6%+2.0pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by LCNB in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The official record: LCNB’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is LCNB's bank owned life insurance?
LCNB (LCNB) reported bank owned life insurance of $55.78M in Q1 2026.
How has LCNB's bank owned life insurance changed year-over-year?
LCNB's bank owned life insurance increased by 2.6% year-over-year, from $54.35M to $55.78M.
What is the long-term trend for LCNB's bank owned life insurance?
Over 5 years (2020 to 2025), LCNB's bank owned life insurance has grown at a 5.6% compound annual growth rate (CAGR), from $42.15M to $55.42M.
What does bank owned life insurance mean?
This reflects the cash surrender value of life insurance policies purchased by the bank on the lives of its key employees or officers. The bank acts as the beneficiary, utilizing these policies as a tax-advantaged vehicle to offset the costs of employee benefit plans. It serves as a stable, long-term asset that provides supplemental income and risk mitigation for the institution.