Logotype for Farmers National Banc Corp

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.
Logotype for Farmers National Banc Corp
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Farmers National Banc earnings date

Logotype for Farmers National Banc Corp
Q3 202522 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Farmers National Banc earnings date

Logotype for Farmers National Banc Corp
Q3 202522 Oct, 2025

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.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

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.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
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.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • 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.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage