)

Farmers National Banc (FMNB) investor relations material
Farmers National Banc Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $13.9M ($0.37 per diluted share), up from $11.8M ($0.31) in Q2 2024, marking 170 consecutive profitable quarters.
Commercial loan balances grew $43.6M in Q2 2025 (8.8% annualized), driving overall loan growth.
Total assets reached $5.18B at June 30, 2025, with net loans at $3.30B and deposits at $4.40B.
Improved profitability in fee-based businesses and lower losses on securities sales contributed to higher noninterest income.
Efficiency ratio improved to 56.7% from 60.8% year-over-year, indicating better expense management.
Financial highlights
Net interest income for Q2 2025 was $34.9M, up from $32.1M in Q2 2024; net interest margin rose to 2.91% from 2.71%.
Noninterest income for Q2 2025 was $12.1M, up from $9.6M in Q2 2024, driven by growth in trust fees, insurance commissions, and investment commissions.
Provision for credit losses and unfunded loans was $3.5M in Q2 2025, up from $1.1M in Q2 2024, mainly due to specific reserves on two nonperforming loans.
Noninterest expense for Q2 2025 was $27.2M, up from $26.4M in Q2 2024, with increases in salaries, occupancy, and core processing charges.
Stockholders' equity increased to $437.7M, primarily from retained earnings and reduced accumulated other comprehensive loss.
Outlook and guidance
Management expects continued volatility in the bond market and is prioritizing strategies to shorten investment portfolio duration and measured loan growth.
Net interest margin expected to continue expanding in 2025, contingent on future Federal Reserve rate cuts.
The company does not expect material impacts from recent legislative changes (OBBBA) but is still evaluating provisions.
Focus remains on prudent expense management and growth in multiple business lines.
Next Farmers National Banc earnings date

Next Farmers National Banc earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage