FMNB
Farmers National Banc Corp.14.42
+0.04+0.28%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
542.96MP/E (TTM)
10.01Basic EPS (TTM)
1.44Dividend Yield
0.05%Recent Filings
8-K
Hires banking veteran Simko
Farmers National Banc Corp. appointed Todd Simko as SEVP and Chief Banking Officer effective March 16, 2026, bringing 25+ years of banking leadership from FHLB Pittsburgh, Treasury, and Main Street Bank. Simko will oversee commercial lending, loan operations, and treasury management amid integration of the recent Middlefield Bank merger, expanding into Central Ohio and Columbus. He drives strategic execution. Growth demands flawless integration.
10-K
FY2025 results
Farmers National Banc Corp. posted FY2025 net income of $54.6M ($1.45 diluted EPS), up from $45.9M ($1.22) in FY2024, fueled by net interest income climbing to $142.4M from $128.4M as the tax-equivalent margin expanded to 2.95% (derived) amid higher loan yields at 5.82% and falling deposit costs to 2.34%. Noninterest income rose to $46.1M on trust fees and debit card growth, while expenses hit $116.5M due to $4.0M in Middlefield merger and system conversion costs. Loans edged up to $3.30B, deposits to $4.34B, and nonperformers ticked to 0.79% of loans on one CRE relationship; Q4 saw net charge-offs dip to $6.3M annually. Q4 accelerated deposit growth while trimming brokered CDs. Solid capital. CRE concentration risks loom.
8-K
Merger with Middlefield completed
Farmers National Banc Corp. completed its all-stock merger with Middlefield Banc Corp. on March 2, 2026, converting each Middlefield share into 2.6 Farmers shares. Middlefield Bank merged into Farmers Bank, deepening Northeast Ohio presence while expanding into Central and Western Ohio, including Columbus. Now with over $7.4B in assets and 83 branches. Integration risks loom.
8-K
Merger shareholder approvals secured
Farmers National Banc Corp. shareholders approved the merger with Middlefield Banc Corp. on February 10, 2026, alongside a share issuance and amendment boosting authorized common shares from 50 million to 75 million, effective upon Ohio filing. All proposals passed decisively, with over 88% turnout. Merger set for Q1 2026 close. Risks include potential delays.
8-K
Regulatory approvals for merger
Farmers National Banc Corp. secured all regulatory approvals for its merger with Middlefield Banc Corp. on February 5, 2026, under the October 22, 2025 agreement. The deal, merging Middlefield's bank into Farmers National Bank, eyes Q1 2026 close. Approvals clear the path. Yet shareholder nods and other conditions remain.
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