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Letter portraitLegal landscapeQuarterYTD

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