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Farmers National Bank of Canfield, The

Canfield, OH · Cert 6540 · Farmers National Banc Corp.

National charter · OCC · 83 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers National Bank of Canfield, The

Canfield, OH · Cert 6540 · Farmers National Banc Corp.

National charter · OCC · 83 branches

Q2 2026

$7.2BAssets
$4.8BLoans
$5.9BDeposits
$820.3MEquity
Loan mix
83%RE $3.9B11%C&I $0.5B6%Consumer $0.3BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $4.5B24%Noninterest $1.4BQ3 2024Q2 2026

Market Position · Youngstown-Warren, OH · 2026 SOD (annual) · 22.9% share · #2 of 11 inst. · $2.4B of $10.6B

21.1% Mahoning
25.8% Trumbull
17.8% Geauga
18.6% Wayne

Executive Summary

  • Earnings: ROA of 1.29%, up 20 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.93% of loans (+9 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 9.55%, up 43 bps from a year ago.
  • Funding: loans stand at 81.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.29%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+13 bps YoY

Efficiency Ratio (YTD, annualized)

55.63%-6 bps YoY

Tier 1 Leverage Ratio

9.55%+43 bps YoY

NIM

4.23%Q2 ’244.29%Q2 ’254.20%Q2 ’26+7%+5%

Non-interest income vs. expense

1.83%Q2 ’241.89%Q2 ’251.90%Q2 ’26-3%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.91%1.07%1.09%1.04%1.07%1.23%1.29%+20 bps
Return on Equity10.03%10.84%12.31%12.20%11.46%11.50%11.32%11.64%-55 bps
Net Interest Margin2.55%2.55%2.72%2.75%2.77%2.80%3.03%2.88%+13 bps
Efficiency Ratio58.15%57.39%57.86%55.69%57.80%56.97%57.60%55.63%-6 bps
Non-Interest Burden1.23%1.21%1.31%1.24%1.33%1.32%1.43%1.34%+10 bps
Growth
Asset Growth (YoY)5.42%0.78%1.50%0.38%-0.05%2.44%40.32%38.69%+3,831 bps
Loan Growth (YoY)3.56%2.23%2.24%2.02%1.81%1.00%47.56%44.59%+4,256 bps
Deposit Growth (YoY)-3.41%1.87%6.43%4.02%0.50%1.35%31.39%32.49%+2,848 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.70%0.64%0.84%1.06%0.79%1.25%0.93%+9 bps
Net Charge-Offs / Loans0.25%0.21%0.04%0.05%0.06%0.19%0.04%0.17%+12 bps
Allowance / Loans1.10%1.10%1.09%1.17%1.18%1.11%1.14%1.11%-5 bps
Allowance Coverage of NPLs1.9x1.6x1.7x1.4x1.1x1.4x0.9x1.2x-0.2x
Capital
Tier 1 Leverage Ratio8.26%8.55%8.85%9.12%9.12%9.42%11.73%9.55%+43 bps
Total Risk-Based Capital12.47%12.88%13.36%13.74%13.72%14.23%13.73%13.69%-6 bps
Equity / Assets8.80%8.47%8.98%9.24%9.60%10.09%11.41%11.46%+222 bps
Liquidity & Funding
Loans / Deposits74.32%75.86%71.97%74.63%75.29%75.60%80.82%81.44%+681 bps
Liquid Assets / Assets2.61%0.75%1.24%0.65%0.89%0.90%1.45%0.98%+33 bps
CRE / Total Capitaln/an/an/an/a305%290%314%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers National Bank of Canfield, The

Canfield, OH · Cert 6540 · Peer group: banks $1B-$10B in assets (n=322-328) · Farmers National Banc Corp.

National charter · OCC · 83 branches

Q2 2026

$7.2BAssets
$4.8BLoans
$5.9BDeposits
$820.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 67% of banks $1B-$10B in assets (rank 109 of 328).
  • Widest gap: net interest margin trails 82% of banks $1B-$10B in assets (rank 269 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.18%

Rank 178 of 328

Net Interest Margin

2.88%

Rank 269 of 328

Efficiency Ratio

57.31%

Rank 135 of 328

Equity / Assets

11.46%

Rank 109 of 328

Non-interest income vs. expense

$41.1M$139.0MINCOMEEXPENSE
Unfavorable gap of $97.9M · efficiency ratio beats 59% of banks $1B-$10B in assets
Bank 57.31%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.18%0.91%1.22%1.52%Beats 46%178 / 328
Return on Equity10.27%8.43%11.45%14.43%Beats 38%202 / 328
Net Interest Margin2.88%3.03%3.45%3.83%Beats 18%269 / 328
Efficiency Ratio57.31%51.61%59.56%67.53%Beats 59%135 / 328
Asset Quality
Nonperforming Loans / Loans0.93%0.24%0.51%1.03%Beats 27%237 / 322
Net Charge-Offs / Loans0.09%0.01%0.03%0.10%Beats 27%235 / 322
Capital
Tier 1 Capital Ratio12.64%11.75%13.15%15.47%Beats 43%188 / 328
Total Risk-Based Capital Ratio13.69%12.63%14.15%16.46%Beats 44%185 / 328
Equity / Assets11.46%9.15%10.33%12.01%Beats 67%109 / 328
Liquidity & Funding
Loans / Deposits81.44%76.63%87.92%95.36%34th pctl212 / 323
Loans / Assets66.76%65.18%74.15%79.98%28th pctl236 / 328
Brokered Deposits / Depositsn/aNot reported for this institution