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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.Q2 2025 earnings summary23 Jul, 2025
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.
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Next Farmers National Banc earnings date
Q3 202522 Oct, 2025
Next Farmers National Banc earnings date
Q3 202522 Oct, 2025
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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.
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