| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Interest income - loans including fees | 48,603 | 47,050 | 46,707 | 46,989 |
| Taxable securities | 7,466 | 7,384 | 7,096 | 6,761 |
| Federal funds sold and other interest income | - | - | - | 1,371 |
| Tax exempt securities | 2,372 | 2,377 | 2,451 | 2,456 |
| Dividends | 459 | 462 | 541 | 346 |
| Federal funds sold and other interest income | 466 | 429 | 510 | - |
| Total interest and dividend income | 59,366 | 57,702 | 57,305 | 57,923 |
| Deposits | 20,372 | 20,240 | 19,717 | 21,547 |
| Short-term borrowings | 1,681 | 1,536 | 2,417 | 3,476 |
| Long-term borrowings | 1,006 | 1,005 | 976 | 1,024 |
| Total interest expense | 23,059 | 22,781 | 23,110 | 26,047 |
| Net interest income | 36,307 | 34,921 | 34,195 | 31,876 |
| Provision (credit) for unfunded loans | - | - | - | 201 |
| Provision (credit) for credit losses | 1,501 | 3,586 | 22 | - |
| Provision for credit losses | - | - | - | 6,807 |
| (credit) for unfunded commitments | -82 | -38 | -226 | - |
| Net interest income after provision for credit losses | 34,888 | 31,373 | 34,399 | 24,868 |
| Noninterest revenue-Deposit Account | 1,874 | 1,749 | - | - |
| Noninterest revenue-Insurance Agency Commissions | - | 1,828 | - | - |
| Bank owned life insurance income | 852 | 832 | - | 688 |
| Noninterest revenue-Fiduciary And Trust | 2,745 | 2,596 | - | - |
| Noninterest revenue-Insurance Agency Commissions | 1,395 | - | - | - |
| Noninterest revenue-Credit And Debit Card | - | 2,017 | - | - |
| Security (losses), including fair value changes for equity securities | -927 | 36 | - | -403 |
| Noninterest revenue-Retirement Plan Consulting | 1,060 | 783 | - | - |
| Other mortgage banking income loss net | - | - | - | -168 |
| Noninterest revenue-Investment Commissions | 658 | 721 | - | - |
| Net gains on sale of loans | 559 | 329 | - | 506 |
| Other mortgage banking income (loss), net | 192 | 27 | - | - |
| Revenue from contract with customer, excluding assessed tax | - | - | - | 9,098 |
| Noninterest revenue-Credit And Debit Card | 2,068 | - | - | - |
| Other operating income | 954 | 1,204 | - | 2,619 |
| Total noninterest income | 11,430 | 12,122 | 10,481 | 12,340 |
| Salaries and employee benefits | 15,992 | 14,722 | 16,166 | 14,874 |
| Occupancy and equipment | 4,370 | 4,119 | 4,138 | 3,968 |
| Fdic insurance and state and local taxes | 1,212 | 1,262 | 1,262 | 1,480 |
| Professional fees | 990 | 1,026 | 1,196 | 1,084 |
| System conversion/acquisition related costs | 3,123 | - | - | - |
| Advertising | 466 | 454 | 456 | 435 |
| Core processing charge | - | - | - | 1,186 |
| Intangible amortization | 718 | 735 | 735 | 629 |
| Core processing charges | 1,412 | 1,401 | 1,397 | - |
| Other operating expenses | 3,396 | 3,456 | 3,176 | 3,419 |
| Total noninterest expenses | 31,679 | 27,175 | 28,526 | 27,075 |
| Income before income taxes | 14,639 | 16,320 | 16,354 | 10,133 |
| Income taxes | 2,178 | 2,410 | 2,776 | 1,598 |
| Net income | 12,461 | 13,910 | 13,578 | 8,535 |
| Earnings per share - basic (in dollars per share) | 0.33 | 0.37 | 0.36 | 0.23 |
| Earnings per share - diluted (in dollars per share) | 0.33 | 0.37 | 0.36 | 0.23 |
| Us-gaap_weightedaveragenumberofdilutedsharesoutstanding | 37,677,124 | 37,622,012 | 37,626,483 | 37,566,955 |
| Weighted average shares outstanding for basic earnings per share (in shares) | 37,467,634 | 37,442,047 | 37,380,606 | 37,352,872 |
FARMERS NATIONAL BANC CORP OH (FMNB)
FARMERS NATIONAL BANC CORP OH (FMNB)