Farmers National Banc

Farmers National Banc helps people manage money, save, and borrow for daily needs. Its services support families, small businesses, and local communities. Customers use its banking, insurance, and retirement products for financial security and planning.

Products and Services

• Banking Services: Checking, savings, and deposit accounts for individuals and businesses (primary revenue source).
• Lending: Commercial, mortgage, home equity, and consumer loans for personal and business needs.
• Trust and Retirement: Estate settlement, trust administration, and retirement plan consulting for individuals and companies (Trust segment: $14.7M noninterest income in 2025).
• Insurance: Property, casualty, and other insurance products through licensed agents (Insurance commissions: $6.5M in 2025).
• Investment Services: Brokerage, investment in municipal securities, and investment commissions for clients seeking asset growth.

Growth and Expansion

• Acquired Emclaire Financial Corp. in 2023, expanding into Pennsylvania.
• Bought Crest Retirement Advisors in December 2024, boosting retirement consulting.
• Completed merger with Middlefield Banc Corp. in March 2026, adding $1.9B in assets and 21 branches.
• Upgraded core banking system to Jack Henry in 2025 for operational efficiency.
• Focused on growing trust, retirement, and insurance services alongside traditional banking.

What Makes Farmers National Banc Stand Out

The company combines banking, trust, insurance, and investment services under one structure. It maintains a strong local presence with 48 locations in Ohio and Pennsylvania. Its focus on core deposits and non-interest income helps reduce reliance on traditional lending.

Five Things You Need to Know

• Total revenue was $70M in Q4 2025, up 0.5% year-over-year.
• Net income reached $54.6M in 2025, rising 19.0% from 2024.
• Core deposits made up approximately 93% of total deposits at year-end 2025.
• Noninterest income was $46.1M in 2025, up 10.5% from 2024.
• Total assets stood at $5.25B as of December 31, 2025.

Bottom Line

Farmers National Banc has grown through acquisitions and service diversification. Its mix of banking, trust, and insurance supports steady performance in its regional markets.