LCNB 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 (SBA) 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, etc.