Farmers National Q2 2026 EPS $0.39 ($0.41 adj); NIM expands to 3.44%; NPLs down 25%

FARMERS NATIONAL BANC CORP /OH/

Net income $23.0M ($0.39 diluted); adjusted net income $24.4M ($0.41) excluding $1.7M acquisition costs.
Net interest margin improved to 3.44% from 2.91% YoY; guided Q3 NIM 3.34%-3.37%.
Commercial loan fundings $175M in Q2, up 181% QoQ; unfunded commitments grew 9%.
Non-performing loans fell $15.2M (25.4%) to $44.6M; NPL ratio 0.93% from 1.25%.
Middlefield acquisition added $1.82B assets; core conversion on track for late Q3 2026.

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