FARMERS NATIONAL BANC CORP /OH/

Listed Company

FMNBCIK 0000709337NasdaqAcceleratedState Commercial BanksOhioFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$54.59M

Total Assets

$5.25B

Equity

$485.73M

Shares Out

59.22M

Op. Cash Flow

$60.04M

FMNB$14.64+3.94% · past yearDBEQ Basic

Daily closing prices

Business

Farmers National Banc Corp. is a financial holding company that operates principally through its wholly-owned subsidiary The Farmers National Bank of Canfield, offering full-service commercial and retail banking services including checking and savings accounts, loans, home equity products, and ATM/internet banking. The company also operates Farmers Trust Company, providing personal and corporate trust services, estate settlement, and retirement planning, alongside Farmers National Insurance offering insurance products. The business operates through two reportable segments—Bank and Trust—serving customers primarily in northeastern Ohio and western Pennsylvania.

Summary from 10-K filed 2026-03-05

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	191	186	172	108	95
Taxable securities	29	27	26	21	11
Tax exempt securities	10	10	11	12	10
Dividends	2	1	2	871,000	498,000
Federal funds sold and other interest income	2	4	2	—	—
TOTAL INTEREST AND DIVIDEND INCOME	234	228	213	142	116
Deposits	80	81	63	13	7
Short-term borrowings	8	14	8	1	7,000
Long-term borrowings	4	4	4	3	2
TOTAL INTEREST EXPENSE	91	99	76	18	—
NET INTEREST INCOME	142	128	138	124	108
Provision for credit losses	7	8	9	—	—
(Credit) provision for unfunded commitments	−220,000	−278,000	435,000	250,000	5
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES AND UNFUNDED COMMITMENTS	135	120	129	123	103
Bank owned life insurance income, including death benefits	3	3	2	—	—
Security (losses), including fair value changes for equity securities	−2	−3	−471,000	−454,000	1
Net gains on sale of loans	2	2	2	2	8
Other mortgage banking income, net	472,000	435,000	711,000	—	—
Other operating income	4	5	4	4	2
TOTAL NONINTEREST INCOME	46	42	42	44	38
Salaries and employee benefits	62	59	57	45	39
Occupancy and equipment	17	16	15	11	8
FDIC insurance and state and local taxes	5	5	6	4	3
Professional fees	4	4	4	6	4
System conversion/ Acquisition related costs	4	92,000	5	—	—
Advertising	2	2	2	2	2
Intangible amortization	3	3	3	2	1
Core processing charges	6	5	5	—	—
Other operating expenses	14	14	13	11	11
TOTAL NONINTEREST EXPENSE	116	107	112	94	79
INCOME BEFORE INCOME TAXES	65	55	59	73	62
Income Tax Expense (Benefit)	10	9	9	12	10
NET INCOME	55	46	50	61	52
Basic (in dollars per share)	1.46	1.23	1.34	1.79	1.78
Diluted (in dollars per share)	1.45	1.22	1.33	1.79	1.77

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	20	20	29	21	29
Federal funds sold and other	72	65	—	—	—
TOTAL CASH AND CASH EQUIVALENTS	92	86	104	76	113
Debt securities available for sale, at fair value (amortized cost $1,525,224 in 2025 and $1,510,681 in 2024)	1,343	1,267	1,300	1,268	1,428
Other investments	45	45	35	33	30
Loans held for sale, at fair value	2	5	4	858,000	5
Loans	3,305	3,268	3,198	—	—
Less allowance for credit losses	37	36	34	27	29
NET LOANS	3,268	3,232	3,164	—	—
Premises and equipment, net	57	52	44	31	38
Goodwill	168	168	167	95	94
Other intangibles, net	18	21	—	—	—
Bank owned life insurance	119	101	99	75	74
Tax credit investments	29	22	—	—	—
Other Assets	104	120	120	106	52
TOTAL ASSETS	5,246	5,119	5,078	4,082	4,143
Noninterest-bearing	994	966	1,027	897	916
Interest-bearing	3,349	3,226	3,151	2,527	2,631
Brokered time deposits	0	75	0	138	0
TOTAL DEPOSITS	4,343	4,267	4,177	3,562	3,547
Short-term borrowings	281	305	355	95	0
Long-term borrowings	87	86	89	88	88
Other Liabilities	50	55	53	45	35
TOTAL LIABILITIES	4,760	4,713	4,674	3,790	3,670
Commitments and contingent liabilities (Note 14)	—	—	—	—	—
Common Stock, no par value; 50,000,000 shares authorized; 39,321,709 shares issued and 37,653,183 and 37,585,612 shares outstanding, respectively	367	366	365	305	306
Retained earnings	286	257	237	212	174
Accumulated other comprehensive (loss)	−144	−193	−173	−210	9
Treasury stock, at cost; 1,668,526 and 1,736,097 shares, respectively	−23	−24	—	—	—
TOTAL STOCKHOLDERS' EQUITY	486	406	404	292	472
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	5,246	5,119	5,078	4,082	4,143

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	7	6	7	—	—
Net amortization (accretion) of securities	−820,000	554,000	925,000	—	—
Available for sale security losses	2	3	498,000	—	—
Realized gains on equity securities	−87,000	−43,000	−27,000	—	—
Gain on debt extinguishment	0	−444,000	0	0	—
Losses on premises and equipment sales and disposals, net	59,000	490,000	316,000	—	—
Stock compensation expense	2	3	3	2	1
Earnings on bank owned life insurance	−3	−3	−2	—	—
Income recognized from death benefit on bank owned life insurance	−110,000	−81,000	−105,000	—	—
Origination of loans held for sale	−92	−75	−65	−102	−398
Proceeds from loans held for sale	96	75	65	106	406
Net change in other assets and liabilities	−11	4	−3	8	−8
NET CASH FROM OPERATING ACTIVITIES	60	67	63	82	55
Proceeds from maturities and repayments of securities available for sale	79	59	59	78	74
Proceeds from sales of securities available for sale	53	50	85	37	35
Purchases of securities available for sale	−149	−106	−650,000	−239	−850
Proceeds from sale of equity securities	79,000	61,000	69,000	—	—
Purchases of equity securities	−85,000	−69,000	−70,000	—	—
Purchases of restricted stock	−20	−21	−30	−6	−22,000
Proceeds from redemption of restricted stock	21	11	36	—	—
Loan originations and payments, net	−37	−70	−62	—	—
Purchase of portfolio loans	−8	−8	0	—	—
Proceeds from loans held for sale previously classified as portfolio loans	4	2	7	—	—
Proceeds from BOLI death benefit	460,000	730,000	419,000	—	—
Purchase of company owned life insurance	−15	0	0	—	—
Proceeds from land and building sales	298,000	331,000	533,000	1	37,000
Additions to premises and equipment	−8	−12	−4	−3	−1
Net cash paid in business combinations	0	−600,000	−13	−1	84
NET CASH (USED IN) FROM INVESTING ACTIVITIES	−79	−95	78	−206	−424
Net change in deposits	76	89	−260	15	241
Net change in short-term borrowings	−24	−50	185	95	−7
Redemption of subordinated debentures	0	−3	0	0	—
Cash dividends paid	−25	−25	−25	—	—
Cash paid for withholding taxes on share-based awards	−1	−880,000	−622,000	−762,000	—
Repurchase of common shares	0	0	−12	0	−164,000
NET CASH FROM (USED IN) FINANCING ACTIVITIES	25	11	−113	87	227
NET CHANGE IN CASH AND CASH EQUIVALENTS	7	−18	28	−37	−142
Interest paid	89	101	79	16	8
Issuance of stock for business combinations	0	0	59	0	99
Issuance of stock awards	2	2	2	—	—
Transfer of loans to loans held for sale	2	2	8	—	—
Lease liabilities assumed from obtaining right-of-use assets	998,000	2	1	—	—

Filings

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Frequently asked questions

What is FARMERS NATIONAL BANC CORP /OH/'s CIK number?

FARMERS NATIONAL BANC CORP /OH/'s SEC CIK number is 0000709337 (709337). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FARMERS NATIONAL BANC CORP /OH/'s SEC filings?

All of FARMERS NATIONAL BANC CORP /OH/'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FARMERS NATIONAL BANC CORP /OH/ last report earnings?

FARMERS NATIONAL BANC CORP /OH/ (FMNB) most recently filed an earnings 8-K with the SEC on Apr 22, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-012964). This is FARMERS NATIONAL BANC CORP /OH/'s most recent earnings filing of record — not a forecast of its next earnings date.

What is FARMERS NATIONAL BANC CORP /OH/'s most recent earnings 8-K?

FARMERS NATIONAL BANC CORP /OH/'s latest earnings 8-K (Item 2.02) was filed Apr 22, 2026 under accession 0001437749-26-012964. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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