FARMERS NATIONAL BANC CORP /OH/
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 6, 2025
FMNB$15.58-0.4%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Condensed Statements of Income (Unaudited)
| (In Thousands except Per Share Data) | ||||
|---|---|---|---|---|
| For the Three Months Ended | For the Nine Months Ended | |||
| September 30, | September 30, | September 30, | September 30, | |
| 2025 | 2024 | 2025 | 2024 | |
| INTEREST AND DIVIDEND INCOME | ||||
| Loans, including fees | $48,603 | $46,989 | $142,361 | $138,519 |
| Taxable securities | 7,466 | 6,761 | 21,946 | 19,988 |
| Tax exempt securities | 2,372 | 2,456 | 7,200 | 7,546 |
| Dividends | 459 | 346 | 1,462 | 1,030 |
| Federal funds sold and other interest income | 466 | 1,371 | 1,405 | 2,740 |
| TOTAL INTEREST AND DIVIDEND INCOME | 59,366 | 57,923 | 174,374 | 169,823 |
| INTEREST EXPENSE | ||||
| Deposits | 20,372 | 21,547 | 60,329 | 60,096 |
| Short-term borrowings | 1,681 | 3,476 | 5,634 | 11,000 |
| Long-term borrowings | 1,006 | 1,024 | 2,986 | 3,098 |
| TOTAL INTEREST EXPENSE | 23,059 | 26,047 | 68,949 | 74,194 |
| NET INTEREST INCOME | 36,307 | 31,876 | 105,425 | 95,629 |
| Provision for credit losses | 1,501 | 6,807 | 5,109 | 7,932 |
| (Credit) for unfunded commitments | (82) | 201 | (346) | (261) |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 34,888 | 24,868 | 100,662 | 87,958 |
| NONINTEREST INCOME | ||||
| Service charges on deposit accounts | 1,874 | 1,992 | 5,381 | 5,421 |
| Bank owned life insurance income | 852 | 688 | 2,494 | 2,046 |
| Trust fees | 2,745 | 2,544 | 7,982 | 7,398 |
| Insurance agency commissions | 1,395 | 1,416 | 4,964 | 4,199 |
| Security (losses), including fair value changes for equity securities | (927) | (403) | (2,205) | (2,647) |
| Retirement plan consulting fees | 1,060 | 677 | 2,641 | 1,918 |
| Investment commissions | 658 | 476 | 1,908 | 1,386 |
| Net gains on sale of loans | 559 | 506 | 1,214 | 1,219 |
| Other mortgage banking income (loss), net | 192 | (168) | 366 | 150 |
| Debit card and EFT fees | 2,068 | 1,993 | 5,951 | 5,320 |
| Other operating income | 954 | 2,619 | 3,336 | 3,892 |
| TOTAL NONINTEREST INCOME | 11,430 | 12,340 | 34,032 | 30,302 |
| NONINTEREST EXPENSES | ||||
| Salaries and employee benefits | 15,992 | 14,874 | 46,880 | 44,501 |
| Occupancy and equipment | 4,370 | 3,968 | 12,627 | 11,512 |
| FDIC insurance and state and local taxes | 1,212 | 1,480 | 3,736 | 4,010 |
| Professional fees | 990 | 1,084 | 3,213 | 3,532 |
| System conversion/Acquisition related costs | 3,123 | 0 | 3,123 | 0 |
| Advertising | 466 | 435 | 1,376 | 1,312 |
| Intangible amortization | 718 | 629 | 2,188 | 1,947 |
| Core processing charges | 1,412 | 1,186 | 4,210 | 3,420 |
| Other operating expenses | 3,396 | 3,419 | 10,028 | 10,283 |
| TOTAL NONINTEREST EXPENSES | 31,679 | 27,075 | 87,381 | 80,517 |
| INCOME BEFORE INCOME TAXES | 14,639 | 10,133 | 47,313 | 37,743 |
| INCOME TAXES | 2,178 | 1,598 | 7,364 | 6,185 |
| NET INCOME | $12,461 | $8,535 | $39,949 | $31,558 |
| EARNINGS PER SHARE - basic | $0.33 | $0.23 | $1.07 | $0.85 |
| EARNINGS PER SHARE - diluted | $0.33 | $0.23 | $1.06 | $0.84 |
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