Farmers National Q4 net income $14.4M ($0.38 EPS); NIM 2.72%, up 6bp QoQ; acquires Crest Retirement

FARMERS NATIONAL BANC CORP /OH/

2024-FY EPS reported $1.22 revenue$269,448,000

Net income $14.4M ($0.38 diluted EPS); adjusted EPS $0.39; 168th consecutive profitable quarter.
Net interest margin improved to 2.72% from 2.66% QoQ; funding costs declined from 2.84% to 2.72%.
Non-performing loans rose to $22.8M (0.70% of total loans) from $19.1M in Q3; added $2.6M single commercial credit.
Completed acquisition of Crest Retirement Advisors (Dublin, OH); wealth AUM reached $4.2B.
Efficiency ratio improved to 56.4%; loan-to-deposit ratio 76.6%; total assets $5.12B.

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