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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

☒ Quarterly Report Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

☐ Transition Report Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

For the Quarterly period ended September 30, 2025

Commission file number 001-35296

FARMERS NATIONAL BANC CORP.

(Exact name of registrant as specified in its charter)

ohio	34-1371693
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No)

20 South Broad Street Canfield, OH	44406
(Address of principal executive offices)	(Zip Code)

(330) 533-3341

(Registrant’s telephone number, including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act.

Title of each class	Trading Symbol	Name of each exchange on which registered
Common Stock, No Par Value	FMNB	The NASDAQ Stock Market

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer	☐	Accelerated filer	☒

Non-accelerated filer	☐	Small reporting company	☐

Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

Class		Outstanding at October 31, 2025
Common Stock, No Par Value		37,653,183 shares

Table of Contents

		Page Number
PART I - FINANCIAL INFORMATION

Item 1	Financial Statements (Unaudited)

	Included in Part I of this report:

	Farmers National Banc Corp. and Subsidiaries

	Consolidated Condensed Balance Sheets (Unaudited)	2
	Consolidated Condensed Statements of Income (Unaudited)	3
	Consolidated Condensed Statements of Comprehensive Income (Unaudited)	4
	Consolidated Condensed Statements of Stockholders’ Equity (Unaudited)	5
	Consolidated Condensed Statements of Cash Flows (Unaudited)	7
	Notes to Unaudited Condensed Consolidated Financial Statements	8

Item 2	Management’s Discussion and Analysis of Financial Condition and Results of Operations	42

Item 3	Quantitative and Qualitative Disclosures About Market Risk	49

Item 4	Controls and Procedures	50

PART II - OTHER INFORMATION		50

Item 1	Legal Proceedings	50

Item 1A	Risk Factors	50

Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	51

Item 3	Defaults Upon Senior Securities	51

Item 4	Mine Safety Disclosures	51

Item 5	Other Information	51

Item 6	Exhibits	52

SIGNATURES		53

10-Q Certifications

Section 906 Certifications

Table of Contents

CONSOLIDATED CONDENSED BALANCE SHEETS (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands of Dollars)
	*September 30,*			*December 31,*
	*2025*			*2024*
ASSETS
Cash and due from banks	$	23,812		$	20,426
Federal funds sold and other		68,533			65,312
TOTAL CASH AND CASH EQUIVALENTS		92,345			85,738
Securities available for sale (Amortized cost $1,497,403 in 2025 and $1,510,681 in 2024)		1,301,766			1,266,553
Other investments		44,245			45,405
Loans held for sale, at fair value		4,975			5,005
Loans		3,337,780			3,268,346
Less allowance for credit losses		39,528			35,863
NET LOANS		3,298,252			3,232,483
Premises and equipment, net		56,639			52,274
Goodwill		167,450			167,450
Other intangibles, net		18,563			20,750
Bank owned life insurance		118,475			101,418
Tax credit investments		31,340			22,000
Other assets		101,525			119,848
TOTAL ASSETS	$	5,235,575		$	5,118,924

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
Noninterest-bearing	$	994,604		$	965,507
Interest-bearing		3,405,911			3,226,321
Brokered time deposits		0			74,951
TOTAL DEPOSITS		4,400,515			4,266,779
Short-term borrowings		235,000			305,000
Long-term borrowings		86,581			86,150
Other liabilities		47,530			54,967
TOTAL LIABILITIES		4,769,626			4,712,896
Commitments and contingent liabilities
Stockholders' Equity:
Common Stock, no par value; 50,000,000 shares authorized; 39,321,709 shares issued in 2025 and 2024; 37,646,549 and 37,585,612 shares outstanding, respectively		366,214			366,059
Retained earnings		277,930			257,173
Accumulated other comprehensive (loss)		(155,085	)		(193,265	)
Treasury stock, at cost; 1,675,160 and 1,736,097 shares in 2025 and 2024, respectively		(23,110	)		(23,939	)
TOTAL STOCKHOLDERS' EQUITY		465,949			406,028
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	5,235,575		$	5,118,924

See accompanying notes

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF INCOME (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands except Per Share Data)
	For the Three Months Ended						For the Nine Months Ended
	*September 30,*			*September 30,*			*September 30,*			*September 30,*
	*2025*			*2024*			*2025*			*2024*
INTEREST AND DIVIDEND INCOME
Loans, including fees	$	48,603		$	46,989		$	142,361		$	138,519
Taxable securities		7,466			6,761			21,946			19,988
Tax exempt securities		2,372			2,456			7,200			7,546
Dividends		459			346			1,462			1,030
Federal funds sold and other interest income		466			1,371			1,405			2,740
TOTAL INTEREST AND DIVIDEND INCOME		59,366			57,923			174,374			169,823
INTEREST EXPENSE
Deposits		20,372			21,547			60,329			60,096
Short-term borrowings		1,681			3,476			5,634			11,000
Long-term borrowings		1,006			1,024			2,986			3,098
TOTAL INTEREST EXPENSE		23,059			26,047			68,949			74,194
NET INTEREST INCOME		36,307			31,876			105,425			95,629
Provision for credit losses		1,501			6,807			5,109			7,932
(Credit) for unfunded commitments		(82	)		201			(346	)		(261	)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		34,888			24,868			100,662			87,958
NONINTEREST INCOME
Service charges on deposit accounts		1,874			1,992			5,381			5,421
Bank owned life insurance income		852			688			2,494			2,046
Trust fees		2,745			2,544			7,982			7,398
Insurance agency commissions		1,395			1,416			4,964			4,199
Security (losses), including fair value changes for equity securities		(927	)		(403	)		(2,205	)		(2,647	)
Retirement plan consulting fees		1,060			677			2,641			1,918
Investment commissions		658			476			1,908			1,386
Net gains on sale of loans		559			506			1,214			1,219
Other mortgage banking income (loss), net		192			(168	)		366			150
Debit card and EFT fees		2,068			1,993			5,951			5,320
Other operating income		954			2,619			3,336			3,892
TOTAL NONINTEREST INCOME		11,430			12,340			34,032			30,302
NONINTEREST EXPENSES
Salaries and employee benefits		15,992			14,874			46,880			44,501
Occupancy and equipment		4,370			3,968			12,627			11,512
FDIC insurance and state and local taxes		1,212			1,480			3,736			4,010
Professional fees		990			1,084			3,213			3,532
System conversion/Acquisition related costs		3,123			0			3,123			0
Advertising		466			435			1,376			1,312
Intangible amortization		718			629			2,188			1,947
Core processing charges		1,412			1,186			4,210			3,420
Other operating expenses		3,396			3,419			10,028			10,283
TOTAL NONINTEREST EXPENSES		31,679			27,075			87,381			80,517
INCOME BEFORE INCOME TAXES		14,639			10,133			47,313			37,743
INCOME TAXES		2,178			1,598			7,364			6,185
NET INCOME	$	12,461		$	8,535		$	39,949		$	31,558
EARNINGS PER SHARE - basic	$	0.33		$	0.23		$	1.07		$	0.85
EARNINGS PER SHARE - diluted	$	0.33		$	0.23		$	1.06		$	0.84

See accompanying notes

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands of Dollars)
	For the Three Months Ended						For the Nine Months Ended
	*September 30,*			*September 30,*			*September 30,*			*September 30,*
	*2025*			*2024*			*2025*			*2024*
NET INCOME	$	12,461		$	8,535		$	39,949		$	31,558
Other comprehensive income (loss):
Net unrealized holding gains on available for sale securities		26,433			52,472			46,197			25,012
Reclassification adjustment for losses realized in income on sales		960			421			2,294			2,680
Reclassification adjustment for losses (gains) realized in income on fair value hedge		16			(1,903	)		(161	)		(347	)
Net unrealized holding gains		27,409			50,990			48,330			27,345
Income tax effect		(5,756	)		(10,708	)		(10,150	)		(5,742	)
Unrealized holding gains, net of reclassification and tax		21,653			40,282			38,180			21,603
Change in funded status of post-retirement plan, net of tax		0			0			0			0
Other comprehensive income, net of tax		21,653			40,282			38,180			21,603
TOTAL COMPREHENSIVE INCOME	$	34,114		$	48,817		$	78,129		$	53,161

See accompanying notes

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF STOCKHOLDERS’ EQUITY (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

(Table Dollar Amounts in Thousands except Per Share Data)

							Accumulated
							Other
	Common			Retained			Comprehensive			Treasury
	Stock			Earnings			Income (Loss)			Stock			Total
Balance December 31, 2024	$	366,059		$	257,173		$	(193,265	)	$	(23,939	)	$	406,028
Net income					13,578									13,578
Other comprehensive income								15,964						15,964
Restricted share issuance		(491	)								491			0
Stock based compensation expense		642												642
Vesting of Incentive Plan		(565	)								565			0
Share forfeitures for taxes											(683	)		(683	)
Dividends paid at $0.17 per share					(6,395	)								(6,395	)
Balance March 31, 2025	$	365,645		$	264,356		$	(177,301	)	$	(23,566	)	$	429,134
Net income					13,910									13,910
Other comprehensive income								563						563
Restricted share issuance		(421	)								421			0
Stock based compensation expense		645												645
Vesting of Incentive Plan		(79	)								79			0
Share forfeitures for taxes											(107	)		(107	)
Dividends paid at $0.17 per share					(6,397	)								(6,397	)
Balance June 30, 2025	$	365,790		$	271,869		$	(176,738	)	$	(23,173	)	$	437,748
Net income					12,461									12,461
Other comprehensive income								21,653						21,653
Restricted share issuance		(221	)								221			0
Stock based compensation expense		645												645
Share forfeitures for taxes											(158	)		(158	)
Dividends paid at $0.17 per share					(6,400	)								(6,400	)
Balance September 30, 2025	$	366,214		$	277,930		$	(155,085	)	$	(23,110	)	$	465,949

Table of Contents

							Accumulated
							Other
	Common			Retained			Comprehensive			Treasury
	Stock			Earnings			Income (Loss)			Stock			Total
Balance December 31, 2023	$	365,305		$	236,757		$	(172,554	)	$	(25,093	)	$	404,415
Net income					11,240									11,240
Other comprehensive loss								(12,400	)					(12,400	)
Restricted share issuance		(363	)								367			4
Restricted share forfeitures		153									(155	)		(2	)
Stock based compensation expense		662												662
Vesting of Incentive Plan		(914	)								919			5
Share forfeitures for taxes											(529	)		(529	)
Dividends paid at $0.17 per share					(6,369	)								(6,369	)
Balance March 31, 2024	$	364,843		$	241,628		$	(184,954	)	$	(24,491	)	$	397,026
Net income					11,783									11,783
Other comprehensive loss								(6,279	)					(6,279	)
Restricted share issuance		(484	)								489			5
Stock based compensation expense		626												626
Share forfeitures for taxes											(79	)		(79	)
Dividends paid at $0.17 per share					(6,388	)								(6,388	)
Balance June 30, 2024	$	364,985		$	247,023		$	(191,233	)	$	(24,081	)	$	396,694
Net income					8,535									8,535
Other comprehensive income								40,282						40,282
Restricted share issuance		(145	)								146			1
Restricted share forfeitures		34									(35	)		(1	)
Stock based compensation expense		668												668
Share forfeitures for taxes											(114	)		(114	)
Dividends paid at $0.17 per share					(6,387	)								(6,387	)
Balance September 30, 2024	$	365,542		$	249,171		$	(150,951	)	$	(24,084	)	$	439,678

See accompanying notes.

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF CASH FLOWS (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands of Dollars)
	Nine Months Ended
	*September 30,*			*September 30,*
	*2025*			*2024*
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$	39,949		$	31,558
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses		5,109			7,932
Credit for unfunded loans		(346	)		(261	)
Depreciation and amortization		5,046			4,604
Net amortization (accretion) of securities		(475	)		453
Available for sale security losses		2,294			2,680
Realized gains on equity securities		(89	)		(33	)
Gain on debt extinguishment		0			(444	)
(Gain) loss on premises and equipment sales and disposals, net		(78	)		391
Stock compensation expense		1,932			1,956
Earnings on bank owned life insurance		(2,383	)		(1,921	)
Income recognized from death benefit on bank owned life insurance		(111	)		(125	)
Origination of loans held for sale		(66,602	)		(56,610	)
Proceeds from loans held for sale		66,396			57,094
Net gains on sale of loans		(1,214	)		(1,219	)
Net change in other assets and liabilities		(9,028	)		8,133
NET CASH FROM OPERATING ACTIVITIES		40,400			54,188
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities and repayments of securities available for sale		53,986			42,379
Proceeds from sales of securities available for sale		52,651			48,865
Purchases of securities available for sale		(95,179	)		(60,334	)
Proceeds from sales of equity securities		70			54
Purchase of equity securities		(72	)		(56	)
Proceeds from maturities and repayments of SBIC funds		1,010			800
Purchases of SBIC funds		(2,958	)		(1,592	)
Proceeds from redemption of restricted stock		17,548			10,065
Purchase of restricted stock		(14,349	)		(7,544	)
Loan originations and payments, net		(64,603	)		(80,246	)
Purchase of portfolio loans		(8,044	)		(8,069	)
Proceeds from loans held for sale previously classified as portfolio loans		3,565			1,594
Proceeds from BOLI death benefit		460			556
Purchase of company owned life insurance		(15,000	)		0
Proceeds from land, building and equipment sales		298			0
Additions to premises and equipment		(6,772	)		(7,245	)
NET CASH FROM INVESTING ACTIVITIES		(77,389	)		(60,773	)
CASH FLOWS FROM FINANCING ACTIVITIES
Net change in deposits		133,736			184,451
Net change in short-term borrowings		(70,000	)		(70,000	)
Redemption of subordinated debentures		0			(2,535	)
Cash dividends paid		(19,096	)		(19,038	)
Cash paid for withholding taxes on share-based awards		(1,044	)		(815	)
NET CASH FROM FINANCING ACTIVITIES		43,596			92,063
NET CHANGE IN CASH AND CASH EQUIVALENTS		6,607			85,478
Beginning cash and cash equivalents		85,738			103,658
Ending cash and cash equivalents	$	92,345		$	189,136
Supplemental cash flow information:
Interest paid	$	67,746		$	85,457
Supplemental noncash disclosures:
Issuance of stock awards	$	1,777		$	2,195
Transfer of loans to loans held for sale	$	2,115		$	0
Lease liabilities arising from obtaining right-of-use assets	$	286		$	0

See accompanying notes

Table of Contents

NOTES TO UNAUDITED CONSOLIDATED CONDENSED FINANCIAL STATEMENTS

Principles of Consolidation:

Farmers National Banc Corp. (“Company” or “Farmers”) is a Financial Holding Company registered under the Bank Holding Company Act of 1956, as amended. The Company provides full banking services through its nationally chartered subsidiary, The Farmers National Bank of Canfield (“Bank”). The consolidated financial statements also include the accounts of the Bank’s subsidiaries: Farmers National Insurance, LLC (“Insurance”) and Farmers of Canfield Investment Co. (“Investments”). The Company provides trust and retirement consulting services through its subsidiary, Farmers Trust Company (“Trust”), and insurance services through the Bank’s subsidiary, Insurance. The consolidated financial statements include the accounts of the Company, the Bank and its subsidiaries, along with the Trust company. All significant intercompany balances and transactions have been eliminated in the consolidation.

Basis of Presentation:

The unaudited consolidated condensed financial statements have been prepared in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles (“U.S. GAAP”) for complete financial statements. The financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s 2024 Annual Report to Shareholders included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 (“2024 Form 10-K”). The interim consolidated financial statements include all adjustments (consisting of only normal recurring items) that, in the opinion of management, are necessary for a fair presentation of the financial position and results of operations for the periods presented. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for a full year. Certain items included in the prior period financial statements were reclassified to conform to the current period presentation. There was no effect on net income or total stockholders’ equity.

Estimates:

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Segments:

The Company provides a broad range of financial services to individuals and companies in northeastern Ohio and western Pennsylvania. Operations are managed and financial performance is primarily aggregated and reported in two lines of business, the Bank segment and the Trust segment.

Equity:

There are 50,000,000 shares authorized and available for issuance as of September 30, 2025. Outstanding shares at September 30, 2025 were 37,646,549.

Comprehensive Income:

Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) consists of unrealized gains and losses on securities available for sale and changes in the funded status of the post-retirement plan, which are recognized as components of stockholders’ equity, net of tax effect.

Updates to Significant Accounting Policies:

New Accounting Standard:

On March 29, 2024, the FASB issued ASU 2024-02, Codification Improvements—Amendments to Remove References to the Concepts Statements. ASU 2024-02 removes various references to the FASB’s Concepts Statements from the FASB’s Accounting Standards Codification (Codification or GAAP). The Concepts Statements are non-authoritative guidance issued by the FASB that provide the objectives, qualitative characteristics and other concepts that govern the development of accounting principles by the FASB. ASU 2024-02 applies to all reporting entities and updates the Codification by eliminating discrete references to the Concepts Statements across a variety of defined terms and Topics within the Codification. The FASB does not expect these updates to have a significant effect on current accounting practice. The amendments in ASU 2024-02 are effective for public business entities for fiscal years beginning after December 15, 2024. Early adoption is permitted. The Company intends to make the amendments in our Form 10-K for the year ending December 31, 2025.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740) Improvements to Income Tax Disclosures. The amendments in this update related to the rate reconciliation and income taxes paid disclosures to improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation and income taxes paid disaggregated by jurisdiction. The amendments of this update are effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. The Company intends to provide the amended disclosures in our Form 10-K for the year ending December 31, 2025.

In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) Improvements to Reportable Segment Disclosures. The amendments in this update improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. The main new provision requires significant segment expenses that are regularly provided to the chief operating decision maker and included within each reported measure of segment profit or loss. The amendments of this update are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The standard was adopted by the Company and footnote16 - Segment information has been updated per the ASU.

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Business Combinations:

On December 16, 2024, Farmers Trust acquired substantially all of the assets of Crest Retirement Advisors, LLC, for $600,000, with an additional $400,000 in contingent consideration payable over two years. Intangible assets of $770,000 were recorded along with goodwill of $4,000.

Securities:

The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at September 30, 2025 and December 31, 2024, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss). No allowance for credit losses have been recognized for the securities portfolio at September 30, 2025 or December 31, 2024.

			Gross		Gross
	Amortized		Unrealized		Unrealized
(In Thousands of Dollars)	Cost		Gains		Losses			Fair Value
September 30, 2025
U.S. Treasury and U.S. government sponsored entities	$	105,155	$	34	$	(10,237	)	$	94,952
State and political subdivisions		590,327		1,916		(96,449	)		495,794
Corporate bonds		16,674		167		(370	)		16,471
Mortgage-backed securities		622,160		677		(87,078	)		535,759
Collateralized mortgage obligations		160,784		1,336		(5,468	)		156,652
Small Business Administration		2,303		0		(165	)		2,138
Totals	$	1,497,403	$	4,130	$	(199,767	)	$	1,301,766

			Gross		Gross
	Amortized		Unrealized		Unrealized
(In Thousands of Dollars)	Cost		Gains		Losses			Fair Value
December 31, 2024
U.S. Treasury and U.S. government sponsored entities	$	132,292	$	0	$	(17,185	)	$	115,107
State and political subdivisions		609,950		1,294		(106,364	)		504,880
Corporate bonds		17,849		172		(573	)		17,448
Mortgage-backed securities		605,350		34		(112,517	)		492,867
Collateralized mortgage obligations		142,525		85		(8,834	)		133,776
Small Business Administration		2,715		0		(240	)		2,475
Totals	$	1,510,681	$	1,585	$	(245,713	)	$	1,266,553

The proceeds from sales of available-for-sale securities and the associated gains and losses are as follows:

	*Three Months Ended*						*Nine Months Ended*
	*September 30,*						*September 30,*
(In Thousands of Dollars)	*2025*			*2024*			*2025*			*2024*
Proceeds	$	28,750		$	4,109		$	52,651		$	48,865
Gross gains		0			0			0			17
Gross losses		(960	)		(421	)		(2,294	)		(2,697	)

The amortized cost and fair value of the debt securities portfolio are shown in the table below by expected maturity. Expected maturities may differ from contractual maturities if issuers have the right to call or prepay obligations with or without call, or prepayment penalties. Securities not due at a single maturity date are shown separately.

	*September 30, 2025*
(In Thousands of Dollars)	Amortized Cost		Fair Value
Maturity
Within one year	$	3,704	$	3,693
One to five years		52,132		48,284
Five to ten years		166,010		153,720
Beyond ten years		490,310		401,520
Mortgage-backed, collateralized mortgage obligations and Small Business Administration securities		785,247		694,549
Total	$	1,497,403	$	1,301,766

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The following table summarizes the investment securities with unrealized losses for which an allowance for credit losses has not been recorded at September 30, 2025 and December 31, 2024, aggregated by major security type and length of time in a continuous unrealized loss position.

	Less than 12 Months					12 Months or Longer					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(In Thousands of Dollars)	Value		Loss			Value		Loss			Value		Loss
September 30, 2025

U.S. Treasury and U.S. government sponsored entities	$	1,060	$	(3	)	$	92,690	$	(10,234	)	$	93,750	$	(10,237	)
State and political subdivisions		21,246		(1,249	)		420,822		(95,200	)		442,068		(96,449	)
Corporate bonds		4,247		(38	)		8,029		(332	)		12,276		(370	)
Mortgage-backed securities		862		(23	)		444,752		(87,055	)		445,614		(87,078	)
Collateralized mortgage obligations		42,985		(301	)		50,675		(5,167	)		93,660		(5,468	)
Small Business Administration		0		0			2,138		(165	)		2,138		(165	)
Total	$	70,400	$	(1,614	)	$	1,019,106	$	(198,153	)	$	1,089,506	$	(199,767	)

	Less than 12 Months					12 Months or Longer					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(In Thousands of Dollars)	Value		Loss			Value		Loss			Value		Loss
December 31, 2024

U.S. Treasury and U.S. government sponsored entities	$	4,592	$	(320	)	$	110,515	$	(16,865	)	$	115,107	$	(17,185	)
State and political subdivisions		66,436		(4,946	)		400,911		(101,418	)		467,347		(106,364	)
Corporate bonds		4,303		(146	)		8,568		(427	)		12,871		(573	)
Mortgage-backed securities		30,143		(365	)		460,172		(112,152	)		490,315		(112,517	)
Collateralized mortgage obligations		65,046		(2,210	)		51,405		(6,624	)		116,451		(8,834	)
Small Business Administration		0		0			2,475		(240	)		2,475		(240	)
Total	$	170,520	$	(7,987	)	$	1,034,046	$	(237,726	)	$	1,204,566	$	(245,713	)

As of September 30, 2025, the Company’s security portfolio consisted of 905 securities, 744 of which were in an unrealized loss position. The treasury, agency, mortgage-backed securities, collateralized mortgage obligations and small business administration securities that the Company owns are all issued by government sponsored entities and therefore contain no potential for credit loss. The Company does not consider any of its available-for-sale securities with unrealized losses to be attributable to credit-related factors, as the unrealized losses have occurred as a result of changes in noncredit related factors such as changes in interest rates, market spreads and market conditions subsequent to purchase, not credit deterioration. The vast majority of the Company's state and political subdivisions holdings are of high credit quality and are rated AA or higher. In addition, management has both the ability and intent to hold the securities for a period of time sufficient to allow for the recovery in fair value. As of September 30, 2025, the Company has not recorded an allowance for credit losses on available for sale (“AFS”) securities.

At December 31, 2024, the Company’s security portfolio consisted of 946 securities, 842 of which were in an unrealized loss position. The treasury, agency, mortgage-backed securities, collateralized mortgage obligations and small business administration securities that the Company owns are all issued by government sponsored entities and therefore contain no potential for credit loss. At December 31, 2024, the Company did not consider any of its available-for-sale securities with unrealized losses to be attributable to credit-related factors, as the unrealized losses have occurred as a result of changes in noncredit related factors such as changes in interest rates, market spreads and market conditions subsequent to purchase, not credit deterioration. The vast majority of the Company's state and political subdivisions holdings are of high credit quality and are rated AA or higher. In addition, management had both the ability and intent to hold the securities for a period of time sufficient to allow for the recovery in fair value. At December 31, 2024, the Company had not recorded an allowance for credit losses on available for sale (“AFS”) securities.

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Equity Securities

The Company also holds equity securities which include $16.4 million in Small Business Investment Company (“SBIC”) partnership investments as well as $368,000 in local and regional bank holdings and other miscellaneous equity funds at September 30, 2025. At December 31, 2024, the Company held $14.5 million in SBIC investments and $277,000 in local and regional bank holdings and other miscellaneous equity funds. These investments are held at modified cost and any changes in the modified costs are recognized in income in both 2025 and 2024.

Loans:

Loan balances were as follows:

(In Thousands of Dollars)	*September 30, 2025*			*December 31, 2024*
Commercial real estate
Owner occupied	$	395,449		$	391,302
Non-owner occupied		734,472			695,699
Farmland		214,215			206,786
Other		298,662			295,713
Commercial
Commercial and industrial		351,213			349,966
Agricultural		54,810			55,606
Residential real estate
1-4 family residential		850,112			845,081
Home equity lines of credit		176,609			158,014
Consumer
Indirect		224,995			232,822
Direct		18,346			19,143
Other		8,216			7,989
Total loans	$	3,327,099		$	3,258,121
Net deferred loan costs		10,681			10,225
Allowance for credit losses		(39,528	)		(35,863	)
Net loans	$	3,298,252		$	3,232,483

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Allowance for credit loss activity

The following tables present the activity in the allowance for credit losses by portfolio segment for the three and nine month periods ended September 30, 2025 and 2024:

Three Months Ended September 30, 2025

	Commercial						Residential
(In Thousands of Dollars)	Real Estate			Commercial			Real Estate			Consumer			Total
Allowance for credit losses
Beginning balance	$	21,627		$	4,973		$	7,210		$	4,753		$	38,563
Provision (credit) for credit losses		1,428			(204	)		127			150			1,501
Loans charged off		(75	)		(319	)		(154	)		(321	)		(869	)
Recoveries		0			176			25			132			333
Total ending allowance balance	$	22,980		$	4,626		$	7,208		$	4,714		$	39,528

Nine Months Ended September 30, 2025

	Commercial						Residential
(In Thousands of Dollars)	Real Estate			Commercial			Real Estate			Consumer			Total
Allowance for credit losses
Beginning balance	$	19,259		$	4,628		$	7,271		$	4,705		$	35,863
Provision (Credit) for credit losses		3,840			572			84			613			5,109
Loans charged off		(141	)		(973	)		(231	)		(970	)		(2,315	)
Recoveries		22			399			84			366			871
Total ending allowance balance	$	22,980		$	4,626		$	7,208		$	4,714		$	39,528

Three Months Ended September 30, 2024

	Commercial						Residential
(In Thousands of Dollars)	Real Estate			Commercial			Real Estate		Consumer			Total
Allowance for credit losses
Beginning balance	$	17,223		$	4,628		$	7,422	$	4,718		$	33,991
(Credit) Provision for credit losses		6,226			(24	)		117		488			6,807
Loans charged off		(4,401	)		(396	)		0		(319	)		(5,116	)
Recoveries		3			407			10		84			504
Total ending allowance balance	$	19,051		$	4,615		$	7,549	$	4,971		$	36,186

Nine Months Ended September 30, 2024

	Commercial						Residential
(In Thousands of Dollars)	Real Estate			Commercial			Real Estate			Consumer			Total
Allowance for credit losses
Beginning balance	$	18,150		$	5,087		$	6,916		$	4,287		$	34,440
(Credit) Provision for credit losses		5,427			466			676			1,363			7,932
Loans charged off		(4,547	)		(1,411	)		(81	)		(1,020	)		(7,059	)
Recoveries		21			473			38			341			873
Total ending allowance balance	$	19,051		$	4,615		$	7,549		$	4,971		$	36,186

The cumulative loss rate used as the basis for the estimate of credit losses is comprised of the Company's historical loss experience from December 31, 2011 to September 30, 2025. As of September 30, 2025, the Company expects that the markets in which it operates will experience minimal changes to economic conditions, stable trend in unemployment rate, and a level trend of delinquencies. Management adjusted historical loss experience for these expectations. No reversion adjustments were necessary, as the starting point for the Company's estimate was a cumulative loss rate covering the expected contractual term of the portfolio. While there are many factors that go into the calculation of the allowance for credit losses, the change in the balances from September 30, 2024 to September 30, 2025 is largely attributed to three commercial real estate non-owner occupied relationships and one commercial real estate multifamily relationship that are individually evaluated with specific reserves, increased historical loss ratios in the commercial real estate non-owner occupied pool, and loan growth. These factors were partially offset by adjustments made to the maximum loss rates that anchor the qualitative factors and adjustments to the Portfolio Composition and Growth qualitative factor.

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The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of September 30, 2025 and December 31, 2024:

	Nonaccrual with		Nonaccrual with		Loans past due
	no allowance		an allowance		over 89 days
(In Thousands of Dollars)	for credit loss		for credit loss		still accruing
September 30, 2025
Commercial real estate
Owner occupied	$	0	$	224	$	0
Non-owner occupied		0		18,619		0
Farmland		0		47		0
Other		0		8,390		0
Commercial
Commercial and industrial		54		2,986		82
Agricultural		0		158		0
Residential real estate
1-4 family residential		1,029		2,379		34
Home equity lines of credit		171		450		0
Consumer
Indirect		34		502		0
Direct		0		35		0
Other		0		0		0
Total loans	$	1,288	$	33,790	$	116

	Nonaccrual with		Nonaccrual with		Loans past due
	no allowance		an allowance		over 89 days
(In Thousands of Dollars)	for credit loss		for credit loss		still accruing
December 31, 2024
Commercial real estate
Owner occupied	$	0	$	937	$	0
Non-owner occupied		0		8,105		0
Farmland		1,757		3		0
Other		0		0		525
Commercial
Commercial and industrial		145		3,713		0
Agricultural		177		183		0
Residential real estate
1-4 family residential		513		3,967		90
Home equity lines of credit		94		409		0
Consumer
Indirect		37		463		0
Direct		66		34		0
Other		0		0		0
Total loans	$	2,789	$	17,814	$	615

The above table for the period ending September 30, 2025 does not include a $150,000 owner occupied commercial real estate loan that was held for sale and in nonaccrual status. The above table for the period ending December 31, 2024 does not include a $1.52 million owner occupied commercial real estate loan and a $77,000 commercial and industrial loan that were held for sale and in nonaccrual status.

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The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2025 and December 31, 2024:

(In Thousands of Dollars)	Real Estate		Business Assets		Vehicles		Cash
September 30, 2025
Commercial real estate
Owner occupied	$	0	$	0	$	0	$	0
Non-owner occupied		29,301		0		0		0
Farmland		0		0		0		0
Other		8,390		0		0		0
Commercial
Commercial and industrial		0		2,409		0		0
Agricultural		0		0		0		0
Residential real estate
1-4 family residential		3,262		0		0		0
Home equity lines of credit		447		0		0		0
Consumer
Indirect		0		0		126		0
Direct		0		0		5		0
Other		0		0		0		0
Total loans	$	41,400	$	2,409	$	131	$	0

(In Thousands of Dollars)	Real Estate		Business Assets		Vehicles		Cash
December 31, 2024
Commercial real estate
Owner occupied	$	0	$	0	$	0	$	0
Non-owner occupied		8,119		0		0		0
Farmland		1,757		0		0		0
Other		0		0		0		0
Commercial
Commercial and industrial		0		2,591		0		0
Agricultural		0		177		0		0
Residential real estate
1-4 family residential		3,573		0		0		0
Home equity lines of credit		264		0		0		0
Consumer
Indirect		0		0		70		0
Direct		0		0		9		66
Other		0		0		0		0
Total loans	$	13,713	$	2,768	$	79	$	66

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The following tables present the aging of the amortized cost basis in past due loans as of September 30, 2025 and December 31, 2024 by class of loans.

					90 Days
					or More
	30-59 Days		60-89 Days		Past Due		Total		Loans Not
(In Thousands of Dollars)	Past Due		Past Due		and Nonaccrual		Past Due		Past Due		Total
September 30, 2025
Commercial real estate
Owner occupied	$	2,690	$	0	$	224	$	2,914	$	392,356	$	395,270
Non-owner occupied		58		141		18,619		18,818		715,263		734,081
Farmland		274		133		47		454		213,609		214,063
Other		237		0		8,390		8,627		289,533		298,160
Commercial
Commercial and industrial		1,036		312		3,122		4,470		348,266		352,736
Agricultural		280		107		158		545		55,180		55,725
Residential real estate
1-4 family residential		6,331		862		3,442		10,635		840,276		850,911
Home equity lines of credit		1,276		161		621		2,058		174,771		176,829
Consumer
Indirect		1,775		228		536		2,539		230,838		233,377
Direct		50		31		35		116		18,292		18,408
Other		101		0		0		101		8,119		8,220
Total loans	$	14,108	$	1,975	$	35,194	$	51,277	$	3,286,503	$	3,337,780

					90 Days
					or More
	30-59 Days		60-89 Days		Past Due		Total		Loans Not
(In Thousands of Dollars)	Past Due		Past Due		and Nonaccrual		Past Due		Past Due		Total
December 31, 2024
Commercial real estate
Owner occupied	$	95	$	446	$	937	$	1,478	$	389,630	$	391,108
Non-owner occupied		15		52		8,105		8,172		687,112		695,284
Farmland		53		0		1,760		1,813		204,787		206,600
Other		0		113		525		638		294,543		295,181
Commercial
Commercial and industrial		941		324		3,858		5,123		346,410		351,533
Agricultural		284		26		360		670		55,759		56,429
Residential real estate
1-4 family residential		6,688		1,943		4,570		13,201		832,338		845,539
Home equity lines of credit		104		0		503		607		157,532		158,139
Consumer
Indirect		1,385		473		500		2,358		238,997		241,355
Direct		59		30		100		189		18,996		19,185
Other		0		1		0		1		7,992		7,993
Total loans	$	9,624	$	3,408	$	21,218	$	34,250	$	3,234,096	$	3,268,346

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Loan Restructurings

The Company evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows.

Any restructuring of a loan in which the borrower has experienced financial difficulty and the terms of the loan are more favorable than would generally be considered for borrowers with the same credit characteristics would be individually evaluated. Otherwise, the restructured loan remains in the appropriate segment in the ACL model.

The following table presents the amortized cost basis of loans that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2025 and September 30, 2024, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:

Three Months Ended September 30, 2025	Amortized Cost
(In Thousands of Dollars)	Payment Deferral		Term Extension		Interest Rate Reduction		Combination Payment Deferral and Interest Rate Reduction		Combination Term Extension and Interest Rate Reduction		Total		% of Total Class of Financing Receivable
Commercial real estate
Other	$	111	$	0	$	482		510	$	0	$	1,103		0.37	%
Residential real estate
Home equity lines of credit		0		0		277		0		0	$	277		0.16	%
Total modifications to borrowers experiencing financial difficulty	$	111	$	0	$	759	$	510	$	0	$	1,380		0.04	%

Nine Months Ended September 30, 2025	Amortized Cost
(In Thousands of Dollars)	Payment Deferral		Term Extension		Interest Rate Reduction		Combination Payment Deferral and Interest Rate Reduction		Combination Term Extension and Interest Rate Reduction		Total		% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied	$	0	$	11,128	$	0	$	0	$	0	$	11,128		1.52	%
Other		111		0		482		510		0	$	1,103		0.37	%
Commercial
Commercial and industrial		124		0		0		0		58	$	182		0.05	%
Residential real estate
1-4 family residential		103		0		0		0		0	$	103		0.01	%
Home equity lines of credit		0		14		277		0		75	$	366		0.21	%
Total modifications to borrowers experiencing financial difficulty	$	338	$	11,142	$	759	$	510	$	133	$	12,882		0.39	%

Three Months Ended September 30, 2024	Amortized Cost
							Combination				% of Total
							Term Extension				Class of
	Payment		Principal		Interest Rate		and Interest				Financing
(In Thousands of Dollars)	Deferral		Forgiveness		Reduction		Rate Reduction		Total		Receivable
Residential real estate
Home equity lines of credit	$	0	$	0	$	0	$	0	$	0		0.00	%
Total modifications to borrowers experiencing financial difficulty	$	0	$	0	$	0	$	0	$	0		0.00	%

Nine Months Ended September 30, 2024	Amortized Cost
							Combination				% of Total
							Term Extension				Class of
	Payment		Principal		Interest Rate		and Interest				Financing
(In Thousands of Dollars)	Deferral		Forgiveness		Reduction		Rate Reduction		Total		Receivable
Residential real estate
Home equity lines of credit	$	0	$	0	$	29	$	20	$	49		0.03	%
Total modifications to borrowers experiencing financial difficulty	$	0	$	0	$	29	$	20	$	49		0.00	%

Table of Contents

The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and September 30, 2024:

Payment Deferral

Term Extension

Interest Rate Reduction

Weighted-Average

Weighted-Average Years

Weighted-Average

Principal Deferred

Added to the Life

Contractual Interest Rate

Three Months Ended September 30, 2025

From

Commercial real estate

Other

6.81

5.25

Residential real estate

Home equity lines of credit

7.75

5.00

	Payment Deferral		Term Extension		Interest Rate Reduction
	Weighted-Average		Weighted-Average Years		Weighted-Average
	Principal Deferred		Added to the Life		Contractual Interest Rate
Nine Months Ended September 30, 2025					From			To
Commercial real estate
Non-owner occupied				1
Other	$	16				6.81	%		5.25	%
Commercial
Commercial and industrial		112		6		10.25	%		8.00	%
Residential real estate
1-4 family residential		6
Home equity lines of credit				9		7.75	%		4.79	%

Payment Deferral

Term Extension

Interest Rate Reduction

Weighted-Average

Weighted-Average Years

Weighted-Average

Principal Deferred

Added to the Life

Contractual Interest Rate

Three Months Ended September 30, 2024

From

Residential real estate

Home Equity Lines of Credit

0.00

Payment Deferral

Term Extension

Interest Rate Reduction

Weighted-Average

Weighted-Average Years

Weighted-Average

Principal Deferred

Added to the Life

Contractual Interest Rate

Nine Months Ended September 30, 2024

From

Residential real estate

1-4 family residential

10.45

5.91

The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the three and nine months ended September 30, 2025 and September 30, 2024:

Three Months Ended September 30, 2025	Payment status (Amortized cost Basis)
			30-89		90+
(In Thousands of Dollars)	Current		Days past due		Days past due
Accrual restructured loans
Commercial real estate
Other	$	0	$	0	$	0
Residential real estate
Home equity lines of credit		0		0		0
Total accruing restructured loans	$	0	$	0	$	0

Nonaccrual restructured loans
Commercial real estate

FARMERS NATIONAL BANC CORP /OH/ 10-Q