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Dec 31, 2025
Farmers National Q4 2025 Earnings Report
Farmers National reported solid Q4 results with modest growth in earnings, improved margin, and lower non-performing loans.
Key Takeaways
Farmers National Banc Corp. delivered stable Q4 2025 performance, with EPS of $0.39, net income of $14.6M, and a notable margin expansion. Excluding merger-related costs and losses, adjusted EPS was $0.40. Net interest income rose, and credit quality improved with a drop in non-performing loans.
Net income for Q4 2025 was $14.6M, or $0.39 per diluted share
Adjusted net income excluding one-time items was $15.1M, or $0.40 EPS
Net interest margin improved to 3.05%, up from 2.72% a year earlier
Non-performing loans fell to $26.2M from $35.3M in Q3 2025
Forward Guidance
Management expects continued margin expansion into 2026, driven by the firm’s liability sensitivity and expected further Fed rate cuts. Risks include rate volatility and credit costs from remaining non-performing loans.
Positive Outlook
- Expect continued expansion of net interest margin
- Benefits from Federal Reserve rate cuts expected to continue
- Improved credit quality trends with lower NPLs
- Stronger funding costs due to asset repricing
- Stable loan balances despite economic uncertainty
Challenges Ahead
- Continued rate volatility may affect securities portfolio value
- Charge-offs remain elevated with $5.2M in Q4
- Provision for credit losses spiked to $2.3M
- Slight decrease in total deposits QoQ
Historical Earnings Impact
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Avg. Return Before/After Earnings
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