Canfield, OH · Cert 6540 · Farmers National Banc Corp.
National charter · OCC · 83 branches
Q2 2026
Market Position · Youngstown-Warren, OH · 2026 SOD (annual) · 22.9% share · #2 of 11 inst. · $2.4B of $10.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.95% | 1.15% | 1.23% | 1.28% | +18 bps | |
| Return on Equity | 12.03% | 10.09% | 11.66% | 11.32% | 11.20% | -82 bps | |
| Net Interest Margin | 2.77% | 2.86% | 2.91% | 3.03% | 3.27% | +49 bps | |
| Efficiency Ratio | 53.57% | 61.87% | 54.52% | 57.60% | 54.07% | +50 bps | |
| Non-Interest Burden | 1.18% | 1.52% | 1.31% | 1.43% | 1.50% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.38% | -0.05% | 2.44% | 40.32% | 38.69% | +3,831 bps | |
| Loan Growth (YoY) | 2.02% | 1.81% | 1.00% | 47.56% | 44.59% | +4,256 bps | |
| Deposit Growth (YoY) | 4.02% | 0.50% | 1.35% | 31.39% | 32.49% | +2,848 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 1.06% | 0.79% | 1.25% | 0.93% | +9 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.59% | 0.04% | 0.30% | +23 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.11% | 1.14% | 1.11% | -5 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.1x | 1.4x | 0.9x | 1.2x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.12% | 9.12% | 9.42% | 11.73% | 9.55% | +43 bps | |
| Total Risk-Based Capital | 13.74% | 13.72% | 14.23% | 13.73% | 13.69% | -6 bps | |
| Equity / Assets | 9.24% | 9.60% | 10.09% | 11.41% | 11.46% | +222 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.63% | 75.29% | 75.60% | 80.82% | 81.44% | +681 bps | |
| Liquid Assets / Assets | 0.65% | 0.89% | 0.90% | 1.45% | 0.98% | +33 bps | |
| CRE / Total Capital | n/a | 305% | 290% | 314% | n/a | n/a | |