Farmers National Q2 net income $13.9M ($0.37/dil), up 18% YoY; NIM 2.91%

FARMERS NATIONAL BANC CORP /OH/

2025-Q2 EPS reported $0.73 vs consensus $0.37 ▲ beat (+96.1%)

Net income $13.9M, $0.37 diluted EPS vs $11.8M, $0.31 in Q2 2024.
Net interest margin improved to 2.91% from 2.71% YoY; efficiency ratio 56.7% vs 60.8%.
Loans grew $52M (6.4% annualized); commercial loans up $43.6M (8.8% annualized).
Nonperforming loans rose to $27.8M (0.84%) from $20.7M; two Pittsburgh CRE loans $10.2M with $2.6M specific reserves.
Provision for credit losses increased to $3.5M from $1.1M YoY, driven by specific reserves on two NPLs.

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