Farmers National Banc Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	233.79	185.71	171.81	107.79	94.82
Interest Income on Investments	-	42.02	41.53	34.3	21.64
Total Interest Income	233.79	227.73	213.34	142.09	116.46
Interest Paid on Deposits	91.35	81.17	63.11	13.09	6.78
Interest Paid on Borrowings	-	18.2	12.44	4.84	1.69
Total Interest Expense	91.35	99.36	75.55	17.92	8.47
Net Interest Income	142.44	128.37	137.79	124.17	107.99
Net Interest Income Growth (YoY)	10.96%	-6.83%	10.97%	14.98%	12.27%
Trust Income	11.06	10.1	9.05	8.46	9.44
Mortgage Banking Activities	0.47	0.44	0.71	0.29	-0.14
Gain (Loss) on Sale of Investments	-2.21	-2.64	-0.47	-0.45	1
Other Non-Interest Income	27.95	25.01	23.86	20.75	15.94
Total Non-Interest Income	46.13	41.72	41.86	35.83	38.19
Non-Interest Income Growth (YoY)	10.58%	-0.35%	16.84%	-6.19%	5.62%
Revenues Before Loan Losses	188.57	170.08	179.65	159.99	146.18
Provision for Loan Losses	7.07	7.97	9.15	1.12	4.89
Revenue	181.51	162.12	170.49	158.87	141.29
Revenue Growth (YoY)	11.96%	-4.91%	7.32%	12.44%	14.64%
Salaries and Employee Benefits	62.28	56.28	54.76	43.2	38.2
Occupancy Expenses	17.08	15.59	15.43	11.38	8.49
Federal Deposit Insurance	4.66	5.03	5.85	3.95	2.86
Amortization of Goodwill & Intangibles	2.9	2.86	3.43	1.97	1.36
Selling, General & Administrative	6.22	8.46	8.76	9.88	7.24
Other Non-Interest Expense	19.28	18.38	18.09	13.96	13.92
Total Non-Interest Expense	112.41	106.6	106.32	90.34	72.07
EBT Excluding Unusual Items	69.09	55.52	64.17	68.53	69.22
Legal Settlements	-	-	-	8.38	-
Pretax Income	65.05	55.43	58.7	72.84	62.11
Income Tax Expense	10.46	9.48	8.77	12.24	10.27
Net Income	54.59	45.95	49.93	60.6	51.84
Net Income to Common	54.59	45.95	49.93	60.6	51.84
Net Income Growth	18.80%	-7.98%	-17.60%	16.88%	23.80%
Basic Shares Outstanding	37	37	37	34	29
Diluted Shares Outstanding	38	38	37	34	29
Shares Change (YoY)	0.32%	0.04%	10.52%	15.88%	3.12%
EPS (Basic)	1.46	1.23	1.34	1.79	1.78
EPS (Diluted)	1.45	1.22	1.33	1.79	1.77
EPS Growth	18.85%	-8.27%	-25.70%	1.13%	20.41%
Dividend Per Share	0.680	0.680	0.680	0.650	0.470
Dividend Growth	-	-	4.61%	38.30%	6.82%
Effective Tax Rate	16.08%	17.10%	14.93%	16.80%	16.53%

Updated Jan 28, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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