For the quarter ending 2025-09-30, FMNB made $126,379,000 in revenue. $12,461,000 in net income. Net profit margin of 9.86%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Interest income - loans including fees | 48,603,000 | 47,050,000 | 46,707,000 | 46,240,333.333 |
| Taxable securities | 7,466,000 | 7,384,000 | 7,096,000 | 6,692,333.333 |
| Tax exempt securities | 2,372,000 | 2,377,000 | 2,451,000 | 2,517,000 |
| Dividends | 459,000 | 462,000 | 541,000 | 368,000 |
| Federal funds sold and other interest income | 466,000 | 429,000 | 510,000 | 785,333.333 |
| Total interest and dividend income | 59,366,000 | 57,702,000 | 57,305,000 | 56,603,000 |
| Deposits | 20,372,000 | 20,240,000 | 19,717,000 | 19,874,000 |
| Short-term borrowings | 1,681,000 | 1,536,000 | 2,417,000 | 3,543,000 |
| Long-term borrowings | 1,006,000 | 1,005,000 | 976,000 | 1,022,000 |
| Total interest expense | 23,059,000 | 22,781,000 | 23,110,000 | 24,439,000 |
| Net interest income | 36,307,000 | 34,921,000 | 34,195,000 | 32,164,000 |
| Provision for credit losses | - | - | - | 479,000 |
| Provision (credit) for credit losses | 1,501,000 | 3,586,000 | 22,000 | - |
| (credit) provision for unfunded commitments | - | - | - | -69,500 |
| (credit) for unfunded commitments | -82,000 | -38,000 | -226,000 | - |
| Net interest income after provision for credit losses | 34,888,000 | 31,373,000 | 34,399,000 | 31,844,666.667 |
| Noninterest revenue-Deposit Account | 1,874,000 | 1,749,000 | - | - |
| Noninterest revenue-Insurance Agency Commissions | - | 1,828,000 | - | - |
| Bank owned life insurance income | 852,000 | 832,000 | - | - |
| Noninterest revenue-Fiduciary And Trust | 2,745,000 | 2,596,000 | - | - |
| Noninterest revenue-Insurance Agency Commissions | 1,395,000 | - | - | - |
| Noninterest revenue-Credit And Debit Card | - | 2,017,000 | - | - |
| Security (losses), including fair value changes for equity securities | -927,000 | 36,000 | - | -745,000 |
| Noninterest revenue-Retirement Plan Consulting | 1,060,000 | 783,000 | - | - |
| Noninterest revenue-Investment Commissions | 658,000 | 721,000 | - | - |
| Net gains on sale of loans | 559,000 | 329,000 | - | 332,000 |
| Other mortgage banking income (loss), net | 192,000 | 27,000 | - | - |
| Other mortgage banking income, net | - | - | - | 201,000 |
| Noninterest income | - | - | - | 8,637,333.333 |
| Noninterest revenue-Credit And Debit Card | 2,068,000 | - | - | - |
| Bank owned life insurance income, including death benefits | - | - | - | 664,750 |
| Other operating income | 954,000 | 1,204,000 | - | 709,666.667 |
| Total noninterest income | 11,430,000 | 12,122,000 | 10,481,000 | 9,792,000 |
| Salaries and employee benefits | 15,992,000 | 14,722,000 | 16,166,000 | 14,683,666.667 |
| Occupancy and equipment | 4,370,000 | 4,119,000 | 4,138,000 | 3,873,333.333 |
| Fdic insurance and state and local taxes | 1,212,000 | 1,262,000 | 1,262,000 | 1,183,000 |
| Professional fees | 990,000 | 1,026,000 | 1,196,000 | 1,077,666.667 |
| System conversion/acquisition related costs | 3,123,000 | - | - | - |
| Advertising | 466,000 | 454,000 | 456,000 | 356,000 |
| Intangible amortization | 718,000 | 735,000 | 735,000 | 744,000 |
| Merger related costs | - | - | - | 23,000 |
| Core processing charges | 1,412,000 | 1,401,000 | 1,397,000 | 1,145,333.333 |
| Other operating expenses | 3,396,000 | 3,456,000 | 3,176,000 | 3,445,000 |
| Total noninterest expenses | 31,679,000 | 27,175,000 | 28,526,000 | 26,538,666.667 |
| Income before income taxes | 14,639,000 | 16,320,000 | 16,354,000 | 15,098,000 |
| Income taxes | 2,178,000 | 2,410,000 | 2,776,000 | 2,626,666.667 |
| Net income | 12,461,000 | 13,910,000 | 13,578,000 | 12,471,333.333 |
| Earnings per share - basic (in dollars per share) | 0.33 | 0.37 | 0.36 | 0.333 |
| Earnings per share - diluted (in dollars per share) | 0.33 | 0.37 | 0.36 | 0.33 |
| Us-gaap_weightedaveragenumberofdilutedsharesoutstanding | 37,677,124 | 37,622,012 | 37,626,483 | -18,356.667 |
| Weighted average shares outstanding for basic earnings per share (in shares) | 37,467,634 | 37,442,047 | 37,380,606 | -8,341.333 |
FARMERS NATIONAL BANC CORP OH (FMNB)
FARMERS NATIONAL BANC CORP OH (FMNB)