13F-HR: LCNB Corp Discloses Q4 2025 Equity Holdings

LCNB Corp's latest 13F filing reveals a diversified portfolio of 198 equity and ETF holdings valued at over $298 million as of December 31, 2025.

Summary

• LCNB Corp, an institutional investment manager, filed its Form 13F-HR for the calendar quarter ended December 31, 2025.
• The report details 198 distinct holdings entries in its investment portfolio.
• The total market value of these holdings is reported as $298,461,451.
• The portfolio includes a wide range of common stocks and various Exchange Traded Funds (ETFs), including equity, fixed income, and international equity ETFs.
• Bradley A. Ruppert, Executive Vice President and Chief Investment Officer, signed the report on behalf of LCNB Corp.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this filing as neutral. It is a routine regulatory disclosure of investment holdings and does not contain information that would typically indicate a positive or negative sentiment regarding the reporting entity's operational performance.

Positives

• The filing demonstrates transparency in LCNB Corp's investment activities by disclosing its institutional equity and ETF holdings.
• The portfolio exhibits diversification across numerous companies and sectors, as well as different types of ETFs (equity, fixed income, international equity), which can help manage risk.

Negatives

• The 13F-HR filing is a routine disclosure of investment holdings and does not contain information typically categorized as 'negatives' regarding the reporting manager's operational performance or financial health.

Risks

• The filing itself does not contain specific risk factors for LCNB Corp's business operations.
• The inherent risks are those associated with the market value fluctuations of the disclosed equity and ETF holdings, which are subject to general market conditions, sector-specific risks, and individual company performance.

Future Outlook

This Form 13F-HR filing is a historical snapshot of investment holdings and does not provide forward-looking statements or guidance regarding LCNB Corp's future financial performance or investment strategy.

Management Comments

• Bradley A. Ruppert, Executive Vice President and Chief Investment Officer, represented that the person signing the report is authorized to submit it, and that all information contained herein is true, correct, and complete.

Industry Context

StockSavvy.ai notes that 13F filings are standard quarterly disclosures for institutional investment managers with over $100 million in assets under management. LCNB Corp's filing provides transparency into its investment allocation, which is typical for financial institutions managing diversified portfolios. The inclusion of a broad range of large-cap common stocks and various ETFs aligns with common industry practices for institutional asset management, aiming for diversification across market segments and asset classes.

Comparison to Industry Standards

• LCNB Corp's disclosure of 198 distinct holdings and a total value of $298,461,451 is consistent with the reporting requirements for institutional investment managers under the SEC's Form 13F regulations.
• The portfolio's composition, featuring a mix of individual common stocks (e.g., Apple Inc., Microsoft Corp., Amazon.com Inc.) and a variety of ETFs (e.g., iShares Core S&P 500 ETF, Vanguard Total Stock Market Index, Schwab US Large Cap Growth ETF), reflects a common strategy among institutional investors to achieve broad market exposure and diversification.
• While specific performance comparisons are not available from this filing, the types of holdings are comparable to those found in diversified portfolios managed by other regional banks and investment firms, such as Fifth Third Bancorp or Capital One Financial Corp, which also manage investment portfolios that include a blend of individual equities and index-tracking funds.

Stakeholder Impact

• Shareholders: Provides transparency into the investment strategy and portfolio composition of LCNB Corp.
• Regulatory Authorities: Fulfills mandated disclosure requirements by the U.S. Securities and Exchange Commission.

Next Steps

• This filing is a historical disclosure and does not outline specific future actions, events, or milestones for LCNB Corp.

Key Dates

Keywords

13F-HR, Holdings Report, LCNB Corp, Institutional Investments, Equity Holdings, ETF Holdings, Investment Portfolio, SEC Filing, Diversified Portfolio