LCNB (US:LCNB)2026-03-11 20:05Loans and Credit Losses - As of December 31, 2025, total loans outstanding amounted to $1,705.5 million, with commercial and industrial loans at $104.1 million and residential real estate loans at $470.4 million[100] - The allowance for credit losses on loans was $13.7 million, representing 0.80% of total loans outstanding, an increase from 0.70% in 2024[100] - The ratio of the allowance for credit losses to total non-accrual loans was 763.88% as of December 31, 2025[100] - The allowance for credit losses on loans was $13,704 thousand, representing 0.80% of total loans outstanding[100] - Loans maturing beyond one year totaled $1,582,889 thousand, with fixed-rate loans at $549,113 thousand[100] Deposits - Uninsured deposits, including related interest accrued and unpaid, were estimated at $304.1 million as of December 31, 2025, up from $245.8 million in 2024[101] - The estimated amount of time deposits exceeding the FDIC insurance limit was $8,005 thousand maturing within 3 months[102] Securities and Yields - The total yield on available-for-sale U.S. Treasury notes was 1.19%, while the yield on U.S. Agency notes was 1.40%[97] - The weighted average yield on corporate bonds was 5.74%, with maturities after ten years yielding 7%[97] - The total amount of municipal securities was $4,191 million for tax-exempt and $32,898 million for taxable, with yields of 3.13% and 2.10% respectively[97] - The total U.S. Agency mortgage-backed securities amounted to $68.1 million, with a yield of 2.32%[97] - The total amount of U.S. Agency notes held was $75.3 million, with a weighted average yield of 1.40%[97] - Total U.S. Treasury notes amounted to $52,626 thousand with a yield of 1.19%[97] - Total U.S. Agency notes reached $75,299 thousand, yielding 1.40%[97] - The total corporate bonds were $12,013 thousand with a yield of 5.74%[97] - The total municipal securities, taxable, amounted to $32,898 thousand with a yield of 2.10%[97]