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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Farmers National Banc
Farmers National Banc (FMNB) investor relations material
Farmers National Banc Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
Q3 net income was $14.5M, up from $12.5M YoY; diluted EPS was $0.25 vs. $0.33, reflecting a larger share count after the Middlefield merger.
Adjusted net income was $28.0M, or $0.47 diluted EPS, excluding acquisition and core conversion costs, severance and the securities-sale loss.
Integration and the Jack Henry core conversion were completed; financial benefits are expected from Q4 2026, with further contributions in 2027.
Nine-month net income rose to $53.8M from $39.9M, while diluted EPS declined to $0.99 from $1.06.
Recorded 175 consecutive profitable quarters.
Financial highlights
Q3 net interest income was $57.9M vs. $36.3M YoY; nine-month net interest income was $156.5M vs. $105.4M.
Q3 noninterest income was $7.9M vs. $11.4M, including a $10.3M securities-sale loss; nine-month noninterest income rose to $36.0M from $34.0M.
Q3 noninterest expense was $46.6M vs. $31.7M; nine-month expense was $124.8M vs. $87.4M, including merger and conversion costs.
Assets were $7.12B at September 30, 2026, vs. $5.25B at December 31, 2025; net loans were $4.80B vs. $3.27B.
Q3 included $6.1M of merger and core conversion costs, $0.6M of severance expense, and the $10.3M securities loss.
Outlook and guidance
Q4 2026 net interest margin is expected at 3.43%–3.46%, reflecting securities restructuring benefits, a steeper yield curve and higher Treasury yields.
The Jack Henry core platform contract is expected to save $2.0M annually, or $0.04 per diluted share.
Future loan growth is expected to be measured and broad-based across consumer, residential, C&I and CRE lending amid economic uncertainty.
Management expects continued bond-market volatility in 2026 and 2027 to affect portfolio values.
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Latest events from Farmers National Banc
- Q2 2026 net income rose to $23M, assets hit $7.14B, and margins improved after the Middlefield merger.FMNB
Q2 2026 - Q1 2026 net income rose to $16.3M, reflecting merger-driven growth and ongoing integration.FMNBQ1 2026
- Annual meeting covers director elections, pay, auditor, and new equity plan, with strong governance.FMNBProxy Filing
- Q4 2025 net income up, margins and deposits grew, merger with Middlefield Banc on track.FMNBQ4 2025
- Annual meeting to vote on directors, executive pay, auditor, and highlight ESG efforts.FMNBProxy Filing
- All-stock merger forms a $7.4B Midwest bank, expanding scale, reach, and profitability.FMNBM&A Announcement
- Q3 2025 net income rose to $12.5M; $299M merger expands assets to $7.4B and Ohio presence.FMNBQ3 2025
- Earnings and margins improved on strong loan and fee growth, despite higher nonperforming loans.FMNBQ2 2025
- Q3 net income fell on a major charge-off, but loan growth and capital ratios improved.FMNBQ3 2024
Next Farmers National Banc earnings date
Q4 202627 Jan, 2027
Farmers National Banc
Next Farmers National Banc earnings date
Q4 202627 Jan, 2027
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Frequently asked questions
Farmers National Banc Corp. is a diversified financial services company that operates as the holding company for The Farmers National Bank of Canfield. The company provides a wide range of banking services, including commercial and retail banking through its 65 locations across Ohio and Pennsylvania. Its key offerings include checking and savings accounts, commercial and mortgage loans, home equity lines of credit, and online banking services. Additionally, Farmers National Banc Corp. provides trust and retirement services through Farmers Trust Company and insurance products via Farmers National Insurance, LLC. The company is headquartered in Canfield, Ohio, and its shares are listed on the NASDAQ.