LCNB Corp. operates as the holding company for Lebanon Citizens National Bank that provides commercial and personal banking services in Ohio. Its deposit products include checking accounts, NOW accounts, savings accounts, Christmas and vacation savings, money market deposit accounts, Classic 50 accounts, individual retirement accounts, and certificates of deposit. The company’s loan portfolio comprises commercial loans; commercial and residential real estate loans, such as loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages; construction loans; and consumer loans, including automobile, boat, home improvement, and personal loans. It also offers agency and trust services, retirement savings products, and mutual fund investment products to individuals, partnerships, corporations, institutions, and municipalities, as well as provides security brokerage services. In addition, the company provides safe deposit boxes, night depositories, U.S. savings bonds, travelers’ checks, money orders, cashier’s checks, bank-by-mail, automated teller machines (ATMs), cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public services, personal computer based cash management services, telephone banking, and Internet banking services for individuals and businesses. As of December 31, 2007, it had its main office located in Warren County, Ohio; and 23 branch offices in Warren, Butler, Clinton, Clermont, and Hamilton Counties, Ohio, as well as operated 31 ATMs. Further, LCNB, through its subsidiary, Dakin Insurance Agency, Inc., engages in insurance agency businesses. It involves in the sale and servicing of personal and commercial insurance products, and annuity products. The company was founded in 1877 and is headquartered in Lebanon, Ohio.

In January 2009, LCNB Corp. began participating in the Treasury Departments Capital Purchase Program, under which it received $13.4 million in exchange for preferred stock.

2008 Proxy
 

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