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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

For the Quarterly period ended September 30, 2024

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, 2024

Common Stock, No Par Value

37,587,732 shares

 

 

 

 

 

 

 

 

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 (Loss) (Unaudited)

4

 

Consolidated Condensed Statements of Stockholders’ Equity (Unaudited)

5

 

Consolidated Condensed Statements of Cash Flows (Unaudited)

6

 

Notes to Unaudited Condensed Consolidated Financial Statements

7

 

 

 

Item 2

Management’s Discussion and Analysis of Financial Condition and Results of Operations

44

 

 

 

Item 3

Quantitative and Qualitative Disclosures About Market Risk

54

 

 

 

Item 4

Controls and Procedures

55

 

 

 

PART II - OTHER INFORMATION

55

 

 

 

Item 1

Legal Proceedings

55

 

 

 

Item 1A

Risk Factors

55

 

 

 

Item 2

Unregistered Sales of Equity Securities and Use of Proceeds

56

 

 

 

Item 3

Defaults Upon Senior Securities

56

 

 

 

Item 4

Mine Safety Disclosures

56

 

 

 

Item 5

Other Information

56

 

 

 

Item 6

Exhibits

57

 

 

SIGNATURES

58

 

 

10-Q Certifications

 

 

Section 906 Certifications

 

1

CONSOLIDATED CONDENSED BALANCE SHEETS (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

 

 

 

(In Thousands of Dollars)

 

 

 

September 30,
2024

 

 

December 31,
2023

 

ASSETS

 

 

 

 

 

 

Cash and due from banks

 

$

21,149

 

 

$

28,896

 

Federal funds sold and other

 

 

167,987

 

 

 

74,762

 

TOTAL CASH AND CASH EQUIVALENTS

 

 

189,136

 

 

 

103,658

 

Securities available for sale (Amortized cost $1,482,798 in 2024 and $1,516,841 in 2023)

 

 

1,293,350

 

 

 

1,299,701

 

Other investments

 

 

33,617

 

 

 

35,311

 

Loans held for sale, at fair value

 

 

2,852

 

 

 

3,711

 

Loans

 

 

3,280,517

 

 

 

3,198,127

 

Less allowance for credit losses

 

 

36,186

 

 

 

34,440

 

NET LOANS

 

 

3,244,331

 

 

 

3,163,687

 

Premises and equipment, net

 

 

48,095

 

 

 

44,364

 

Goodwill

 

 

167,446

 

 

 

167,446

 

Other intangibles, net

 

 

20,894

 

 

 

22,842

 

Bank owned life insurance

 

 

100,976

 

 

 

99,482

 

Affordable housing investments

 

 

22,567

 

 

 

17,893

 

Other assets

 

 

113,239

 

 

 

120,255

 

TOTAL ASSETS

 

$

5,236,503

 

 

$

5,078,350

 

 

 

 

 

 

 

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

Noninterest-bearing

 

$

969,682

 

 

$

1,026,630

 

Interest-bearing

 

 

3,317,223

 

 

 

3,150,756

 

Brokered time deposits

 

 

74,932

 

 

 

0

 

TOTAL DEPOSITS

 

 

4,361,837

 

 

 

4,177,386

 

Short-term borrowings

 

 

285,000

 

 

 

355,000

 

Long-term borrowings

 

 

86,038

 

 

 

88,663

 

Other liabilities

 

 

63,950

 

 

 

52,886

 

TOTAL LIABILITIES

 

 

4,796,825

 

 

 

4,673,935

 

Commitments and contingent liabilities

 

 

 

 

 

 

Stockholders' Equity:

 

 

 

 

 

 

Common Stock, no par value; 50,000,000 shares authorized; 39,321,709 shares issued in 2024 and 2023; 37,573,650 and 37,502,773 shares outstanding, respectively

 

 

365,542

 

 

 

365,305

 

Retained earnings

 

 

249,171

 

 

 

236,757

 

Accumulated other comprehensive (loss)

 

 

(150,951

)

 

 

(172,554

)

Treasury stock, at cost; 1,748,059 and 1,818,936 shares in 2024 and 2023, respectively

 

 

(24,084

)

 

 

(25,093

)

TOTAL STOCKHOLDERS' EQUITY

 

 

439,678

 

 

 

404,415

 

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

 

$

5,236,503

 

 

$

5,078,350

 

 

See accompanying notes

2

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,
2024

 

 

September 30,
2023

 

 

September 30,
2024

 

 

September 30,
2023

 

INTEREST AND DIVIDEND INCOME

 

 

 

 

 

 

 

 

 

 

 

 

Loans, including fees

 

$

46,989

 

 

$

43,838

 

 

$

138,519

 

 

$

127,025

 

Taxable securities

 

 

6,761

 

 

 

6,493

 

 

 

19,988

 

 

 

19,697

 

Tax exempt securities

 

 

2,456

 

 

 

2,661

 

 

 

7,546

 

 

 

8,176

 

Dividends

 

 

346

 

 

 

487

 

 

 

1,030

 

 

 

1,457

 

Federal funds sold and other interest income

 

 

1,371

 

 

 

750

 

 

 

2,740

 

 

 

1,911

 

TOTAL INTEREST AND DIVIDEND INCOME

 

 

57,923

 

 

 

54,229

 

 

 

169,823

 

 

 

158,266

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

21,547

 

 

 

17,462

 

 

 

60,096

 

 

 

44,660

 

Short-term borrowings

 

 

3,476

 

 

 

1,960

 

 

 

11,000

 

 

 

5,608

 

Long-term borrowings

 

 

1,024

 

 

 

1,039

 

 

 

3,098

 

 

 

3,042

 

TOTAL INTEREST EXPENSE

 

 

26,047

 

 

 

20,461

 

 

 

74,194

 

 

 

53,310

 

NET INTEREST INCOME

 

 

31,876

 

 

 

33,768

 

 

 

95,629

 

 

 

104,956

 

Provision for credit losses

 

 

6,807

 

 

 

182

 

 

 

7,932

 

 

 

8,232

 

Provision (credit) for unfunded loans

 

 

201

 

 

 

61

 

 

 

(261

)

 

 

635

 

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

 

 

24,868

 

 

 

33,525

 

 

 

87,958

 

 

 

96,089

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

Service charges on deposit accounts

 

 

1,992

 

 

 

1,712

 

 

 

5,421

 

 

 

4,646

 

Bank owned life insurance income

 

 

688

 

 

 

694

 

 

 

2,046

 

 

 

1,825

 

Trust fees

 

 

2,544

 

 

 

2,327

 

 

 

7,398

 

 

 

6,665

 

Insurance agency commissions

 

 

1,416

 

 

 

1,116

 

 

 

4,199

 

 

 

3,904

 

Security (losses), including fair value changes for equity securities

 

 

(403

)

 

 

(624

)

 

 

(2,647

)

 

 

(490

)

Retirement plan consulting fees

 

 

677

 

 

 

650

 

 

 

1,918

 

 

 

1,837

 

Investment commissions

 

 

476

 

 

 

520

 

 

 

1,386

 

 

 

1,389

 

Net gains on sale of loans

 

 

506

 

 

 

395