Short answer
FARMERS NATIONAL BANC CORP /OH/ (FMNB) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $71M (up 22.2% year over year) with net income of $12M.
Q3 2025 key financials · XBRL
- Revenue
- $71M
- +22.2% YoY · +1.4% QoQ
- Net income
- $12M
- +46.0% YoY · −10.4% QoQ
- EPS (diluted)
- $0.33
- +43.5% YoY · −10.8% QoQ
Source: XBRL data from the FARMERS NATIONAL BANC CORP /OH/ (FMNB) Q3 2025 10-Q on SEC EDGAR. USD.
FARMERS NATIONAL BANC CORP /OH/ Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $12.5M vs $8.5M YoY; diluted EPS $0.33 vs $0.23
- Net interest margin 3.00% vs 2.66% YoY; net interest income $36.3M vs $31.9M
- Net loans $3.30B vs $3.23B at December 31, 2024, driven by commercial real estate growth
- Cash and equivalents $92.4M, up $6.6M; deposits $4.40B funded short-term borrowings reduction to $235.0M
- Nonperforming loans $35.3M, or 1.06% of total loans, vs $19.1M, or 0.58%, YoY; bond-market volatility expected to continue
Risk Factors
- New risk: Middlefield merger integration, triggered by pending combination of two independent banking operations
- Most material update: Federal policy volatility, including agency leadership changes and tariff shifts, increasing compliance costs and recession uncertainty
- Regulatory risk: Merger completion requires shareholder, SEC registration, NASDAQ listing, regulatory approvals, and waiting-period expirations
- Operational risk: Failed integration could disrupt systems, controls, employees, borrowers, and depositors
- Financial risk: Merger failure leaves significant transaction costs while potentially harming liquidity, cash flows, and financial position
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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