Farmers National Q4 net income $14.6M ($0.39); NIM expands to 3.05%

FARMERS NATIONAL BANC CORP /OH/

2025-FY EPS reported $1.45 vs consensus $0.47 ▲ beat (+205.3%)

Q4 net income $14.6M ($0.39 diluted EPS); adjusted $15.1M ($0.40); vs $14.4M ($0.38) Q4 2024.
Net interest margin improved to 3.05% from 2.72% YoY; funding costs declined as Fed cut rates.
Nonperforming loans fell to $26.2M from $35.3M QoQ; charge-offs of $2.5M on one loan.
Merger with Middlefield Banc Corp., announced Oct 2025, expected to close in Q1 2026.
Customer deposit growth $151M (3.6%) in 2025; efficiency ratio 57.11%.

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