Contacts Company Contact:Eric J. MeilstrupChief Executive OfficerLCNB National Bank(513) 932- 1414Shareholderrelations@lcnb.com Nov 20, 2025 2:30 PM Eastern Standard Time LCNB Corp. Announces 2025 Fourth-Quarter Dividend Share LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (Nasdaq: LCNB) today announced that the Company's Board of Directors declared a cash dividend of $0.22 per common share. The common stock cash dividend will have a record date of December 1, 2025, and is payable to shareholders on December 15 ...

Core Viewpoint - Prosperity Bancshares, Inc. and American Bank Holding Corporation have announced the approval of their merger, with Prosperity continuing as the surviving entity, expected to finalize on January 1, 2026 [1][2]. Company Overview - Prosperity Bancshares, Inc. is a regional financial holding company based in Houston, Texas, with assets totaling $38.330 billion as of September 30, 2025, providing a range of personal banking services and investments across Texas and Oklahoma [3]. - American Bank Holding Corporation, the parent company of American Bank, has assets exceeding $2.5 billion as of September 30, 2025, and operates 20 banking locations in Texas, offering various commercial and personal banking services [5]. Regulatory Approvals - All necessary regulatory and shareholder approvals for the merger have been obtained, including from the Federal Reserve, FDIC, and Texas Department of Banking [1][2]. Operational Footprint - Prosperity operates 283 full-service banking locations across various regions in Texas and Oklahoma, including significant presences in Houston, Dallas/Fort Worth, and Central Texas [4].

Financial Data and Key Metrics Changes - As of September 30, 2025, the company reported a market capitalization of $425 million, total assets of $7.7 billion, loans of $5.8 billion, deposits of $5.7 billion, and capital of $700 million [9] - The tangible book value per share was reported at $9.77 [9] - Net interest income (NII) increased from $32 million to nearly $36 million, with net interest margin growing from 1.8% to 2% [12][10] - Pre-tax, pre-provision net revenue rose from approximately $7.2 million in the first quarter to $9.9 million by the fourth quarter, while pre-tax, pre-provision EPS per share increased from $0.12 to $0.16 [13] Business Line Data and Key Metrics Changes - The company is focusing on organic growth and cross-selling within its existing client base, aiming to deepen wallet share [15] - The investment services group has generated total sales of $486 million and gross revenue of $8.7 million, with assets under management at $369 million [20] Market Data and Key Metrics Changes - The company operates 43 branches across 12 counties in New Jersey and New York, with plans to close three branches, resulting in a network of 40 branches [9][10] - The company is positioned to benefit from a declining cost of funds and a more favorable yield curve, which is expected to enhance overall net income [10][17] Company Strategy and Development Direction - The company is shifting from a defensive posture to an offensive strategy focused on organic expansion and technology integration [10] - There is a strong emphasis on operational efficiency through technology, including the launch of an AI chatbot and a new HR timekeeping application for small and medium-sized businesses [11][12] - The company aims to strengthen core deposits and improve profitability through disciplined cost management and technology adoption [16][18] Management's Comments on Operating Environment and Future Outlook - Management highlighted the challenges posed by an inverted yield curve and high Fed Funds rates but expressed optimism about returning to growth [10] - The focus will be on relationship banking, optimizing loan portfolio performance, and enhancing community engagement [15][16] - The company is well-positioned for earnings growth in a declining rate environment due to its liability-sensitive structure [17] Other Important Information - The company has a strong track record of credit performance, with cumulative charge-offs of $39.8 million over nearly 20 years [14] - The company has been recognized for its investment services, ranking in the top 4% nationwide in gross revenue among peer institutions [21] Q&A Session Summary Question: Qualifications of elected directors - The qualifications of the directors being elected were addressed, with details available in the proxy statement [7][8] Question: Future growth strategies - Management discussed the focus on organic growth, technology integration, and enhancing client engagement as key strategies moving forward [15][16]

Core Viewpoint - Zions Bancorporation is facing significant challenges due to a $50 million loan default, which has negatively impacted its stock price and raised concerns about the broader banking sector's stability [2][3][4] Company Overview - Zions Bancorporation provides a range of financial services, including commercial and retail banking, mortgage lending, and investment services [1] - The company is set to release its quarterly earnings on October 20, 2025, with analysts estimating earnings per share of $1.46 and projected revenue of approximately $841.5 million [1] Recent Developments - The $50 million loan write-down has led to a sharp decline in Zions' stock price, dropping over 11% following the announcement [3][4] - This loan default has contributed to a broader market retreat, with the Dow Jones Industrial Average dropping by 301 points (0.65%) and the S&P 500 declining by 0.63% [2][4] Financial Metrics - Zions' price-to-earnings (P/E) ratio is approximately 8.18, and the price-to-sales ratio is about 1.39 [5] - The enterprise value to sales ratio stands at around 2.30, and the enterprise value to operating cash flow ratio is approximately 15.15 [5] - The company has an earnings yield of about 12.23%, a debt-to-equity ratio of approximately 1.07, and a current ratio of around 0.15 [5]

Group 1 - KeyCorp has lowered its prime lending rate to 7.25 percent from 7.50 percent, effective September 18, 2025 [1] - KeyCorp is celebrating its bicentennial in 2025, marking 200 years of service [2] - As of June 30, 2025, KeyCorp has assets of approximately $185 billion [2] Group 2 - KeyCorp operates approximately 1,000 branches and 1,200 ATMs across 15 states [2] - The company provides a range of financial services including deposit, lending, cash management, and investment services [2] - KeyCorp also offers corporate and investment banking products under the KeyBanc Capital Markets name [2] Group 3 - KeyCorp reported a net income of $387 million for the second quarter of 2025, equating to $0.35 per diluted common share [4]

Company Overview - KeyCorp is celebrating its bicentennial in 2025, marking 200 years of service to clients and communities from Maine to Alaska [3] - The company is headquartered in Cleveland, Ohio, and is one of the largest bank-based financial services companies in the United States, with assets of approximately $185 billion as of June 30, 2025 [3] Services Offered - KeyCorp provides a range of services including deposit, lending, cash management, and investment services to individuals and businesses across 15 states through approximately 1,000 branches and 1,200 ATMs [4] - The company also offers sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries under the KeyBanc Capital Markets trade name [4] Upcoming Events - KeyCorp will present at the Barclays Global Financial Services Conference on September 8, 2025, at 12:00 p.m. ET in New York City, with discussions on performance, strategy, and outlook [1][2] - A live audio webcast of the conference will be available on the company's investor relations website, with options for re-broadcast for those unable to attend live [2]

Core Insights - KeyBank has been recognized as one of the 50 most community-minded companies in America for the twelfth time in 2025, highlighting its consistent high performance over the program's 13-year history [1][3] - KeyBank has also been named the Financials Sector Leader for the eighth consecutive year, showcasing its leadership in community engagement within the financial sector [3] Community Engagement and Social Impact - The recognition is based on four dimensions: investment of resources, integration across business functions, institutionalization through policies and systems, and impact measurement [2] - KeyBank has invested over $50 billion in community initiatives since 2017, focusing on affordable housing, small business and home lending, and transformative philanthropy [4] Company Overview - KeyCorp is celebrating its bicentennial in 2025, marking 200 years of service across the United States, with assets totaling approximately $189 billion as of March 31, 2025 [5] - KeyBank operates approximately 1,000 branches and 1,200 ATMs, providing a range of financial services including deposit, lending, cash management, and investment services [6] Philanthropic Efforts - The KeyBank Foundation is a nonprofit organization that supports initiatives aimed at improving financial wellness, education, and community development, emphasizing strategic philanthropy to create thriving communities [7]

Core Viewpoint - KeyCorp is set to present at the Morgan Stanley U.S. Financials Conference on June 11, 2025, focusing on its performance, strategy, and outlook [1][2]. Company Overview - KeyCorp is celebrating its bicentennial in 2025, marking 200 years of service across the United States [3]. - The company is headquartered in Cleveland, Ohio, and is one of the largest bank-based financial services companies in the nation, with assets totaling approximately $189 billion as of March 31, 2025 [3]. - KeyCorp operates under the name KeyBank National Association, providing a range of services including deposit, lending, cash management, and investment services across 15 states through about 1,000 branches and 1,200 ATMs [4]. Services Offered - KeyCorp offers sophisticated corporate and investment banking products, including merger and acquisition advice, public and private debt and equity, syndications, and derivatives, primarily targeting middle market companies in selected industries throughout the U.S. under the KeyBanc Capital Markets brand [4].

Group 1 - KeyCorp plans to host conference calls to review quarterly financial results on specific dates in 2026, with results released before market opens [1][4] - KeyCorp is celebrating its bicentennial in 2025, marking 200 years of service, and has assets of approximately $189 billion as of March 31, 2025 [2] - KeyCorp operates under the name KeyBank National Association, providing a range of financial services through approximately 1,000 branches and 1,200 ATMs across 15 states [3] Group 2 - KeyCorp offers sophisticated corporate and investment banking products, including merger and acquisition advice, public and private debt and equity, syndications, and derivatives [3]

Core Points - KeyBank celebrated its bicentennial with the grand opening of the KeyBank Heritage Center in Cleveland, showcasing its 200-year history and commitment to clients and communities [1][2] - The Heritage Center features interactive exhibits and artifacts from KeyBank's founding in 1825, emphasizing its contributions to the communities it serves [2][5] - KeyBank's assets were approximately $189 billion as of March 31, 2025, and it operates around 1,000 branches and 1,200 ATMs across 15 states [7][8] Company Overview - KeyCorp, headquartered in Cleveland, Ohio, is one of the largest bank-based financial services companies in the U.S., providing a range of services including deposit, lending, cash management, and investment services [7][8] - The company has a workforce of 17,000 teammates and serves millions of clients from Maine to Alaska, positioning itself for future growth [6][7] - KeyBank also offers corporate and investment banking products under the KeyBanc Capital Markets name, catering to middle market companies across selected industries [8]