LCNB Corp. is a financial holding company whose operations are substantially conducted through its subsidiary LCNB National Bank, a community bank serving Southwestern and South Central Ohio and Northern Kentucky through a network of branches and ATMs. The bank generates revenue primarily through net interest income on a diversified loan portfolio spanning commercial, residential, agricultural, and consumer lending, supplemented by deposit-related fees, wealth management and trust administration services, and securities brokerage services offered through a registered broker-dealer. Operating in a competitive banking environment alongside larger national institutions and financial technology companies, LCNB differentiates itself by emphasizing personalized service, direct access to senior management, and deep community relationships in its primary market areas.