LCNB is is a financial holding company offering commercial and personal banking and investment services. It offers loan products including commercial and industrial, commercial and residential real estate, agricultural, construction, various types of consumer, and Small Business Administration loans. The company also provides trust administration, estate settlement, fiduciary services, investment management of trusts, agency accounts, individual retirement accounts, and foundations/endowments. Additionally, LCNB offers security brokerage services, safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management services, 24-hour telephone banking, PC Internet banking, mobile banking, and other services tailored for both individuals and businesses.