Farmers National Banc Corp reports Q1 net income $13.6M, EPS $0.36; adjusted EPS $0.39

FARMERS NATIONAL BANC CORP /OH/

2025-Q1 EPS reported $0.36 revenue$67,786,000

Net income $13.6M ($0.36 diluted) vs $11.2M ($0.30) YoY; adjusted net income $14.6M ($0.39 diluted).
Net interest margin improved to 2.85% from 2.70% YoY; efficiency ratio improved to 59.6%.
Non-performing loans to loans ratio fell to 0.64%; annualized net charge-offs only 0.04% of avg loans.
Restructured $23.8M of AFS securities, reinvested at ~260 bps higher yield; earn back ~2.2 years.
Opened commercial loan production office in Columbus; total assets $5.16B, deposits up $214.5M.

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