FARMERS NATIONAL BANC CORP /OH/

Overview

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• TickerFMNB on Nasdaq¹
• IndustryState Commercial Banks¹
• HeadquartersCanfield, Ohio¹
• Incorporated inOH²
• Business address20 S Broad Street, P O Box 555, Canfield, Oh 44406²
• Filer categoryAccelerated filer²
• Legal formCorporation

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Farmers National Banc Corp. (the “Company,” “Farmers,” “we,” “our” or “us”), is a financial holding company that was organized as a one-bank holding company in 1983 under the laws of the State of Ohio and registered under the Bank Holding Company Act of 1956, as amended (the “BHCA”). Amendments to the BHCA in 1999 allowed for a bank holding company to declare itself a financial holding company and thereby engage in financial activities, including securities underwriting and dealing, insurance agency and underwriting activities, and merchant banking activities. The Company made the declaration to become a financial holding company in 2016. For a bank holding company to be eligible to declare itself a financial holding company, all of the depository institution subsidiaries must be well-capitalized and well-managed and have satisfactory or better ratings under the Community Reinvestment Ac…³ From its latest annual report

Corporate structure

FARMERS NATIONAL BANC CORP /OH/ sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What FARMERS NATIONAL BANC CORP /OH/ reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Intangibles and goodwill

Properties, in its own words

At December 31, 2025, the Company conducted its business from its main office at 30 South Broad Street, Canfield, Ohio and 62 full-service banking centers and 2 stand-alone loan production offices located in northeast Ohio. Farmers Trust operates five offices in northeast Ohio and Farmers Insurance operates two offices. Farmers also has a back-office operations facility located in Niles, Ohio. See Note 8 to the Consolidated Financial Statements for additional information.

Item 2 of the 10-K filed Mar 5, 2026.³

Leadership

Who has led FARMERS NATIONAL BANC CORP /OH/, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerKevin J. Helmick Nov 14, 2014 to now¹³
• Chief executive officerJohn S. Gulas Feb 9, 2012 to Jun 20, 2013¹⁴
• Chief executive officerJames H. Sisek Mar 22, 2012 to May 8, 2012¹⁵
• Chief executive officerFrank L. Paden Jan 20, 2006 to Jan 25, 2011¹⁶
• PresidentKevin J. Helmick Nov 14, 2014 to now¹³
• PresidentJohn S. Gulas Feb 9, 2012 to Jun 20, 2013¹⁴
• PresidentJames H. Sisek Mar 22, 2012 to May 8, 2012¹⁵
• PresidentFrank L. Paden Jan 20, 2006 to Jan 25, 2011¹⁶
• Chief financial officerAlan Troy Adair Sep 7, 2021 to now¹⁷
• Chief financial officerCarl D. Culp Jan 20, 2006 to Feb 24, 2021¹⁸
• Chief operating officerMichael E. Matuszak Dec 5, 2022 to now¹⁹
• Chief operating officerJohn S. Gulas Jul 30, 2008 to Jan 25, 2011²⁰

Named in SEC Form D filings

People the company listed in its private-offering notices.

• Executive OfficerAmber B. Wallace Soukenik named Dec 1, 2021⁶⁵
• DirectorTerry A. Moore named Dec 1, 2021⁶⁵

Timeline

1. Sep 18, 20268-K Executive or director change⁶⁶
2. Jul 22, 20268-K Results of operations; Regulation FD disclosure⁶⁷
3. May 12, 20268-K Financial statements and exhibits⁶⁸
4. Apr 22, 20268-K Results of operations; Regulation FD disclosure⁶⁹
5. Apr 16, 20268-K Executive or director change; Shareholder vote⁷⁰
6. Mar 17, 20268-K Regulation FD disclosure⁷¹
7. Mar 2, 20268-K Completed an acquisition or sale; Executive or director change; Other events⁷²
8. Feb 10, 20268-K Bylaws or fiscal year changed; Shareholder vote; Regulation FD disclosure⁷³
9. Feb 5, 20268-K Regulation FD disclosure⁷⁴
10. Jan 28, 20268-K Results of operations; Regulation FD disclosure⁷⁵
11. Jan 13, 20268-K Regulation FD disclosure⁷⁶
12. Dec 11, 20258-K Bylaws or fiscal year changed⁷⁷
13. Nov 14, 2014New chief executive Kevin J. Helmick becomes CEO¹³
14. Mar 22, 2012New chief executive James H. Sisek becomes CEO¹⁵
15. Feb 9, 2012New chief executive John S. Gulas becomes CEO¹⁴
16. Jan 20, 2006New chief executive Frank L. Paden becomes CEO¹⁶

Calendar

Coming up

1. Oct 28, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.42 a share, on Oct 22, 2025.⁷⁸

When it reported results

1. Jul 22, 2026Reported quarterly or annual results⁶⁷
2. Apr 22, 2026Reported quarterly or annual results⁶⁹
3. Jan 28, 2026Reported quarterly or annual results⁷⁵
4. Oct 22, 2025Reported quarterly or annual results⁷⁹
5. Jul 23, 2025Reported quarterly or annual results⁸⁰
6. Apr 16, 2025Reported quarterly or annual results⁸¹
7. Jan 29, 2025Reported quarterly or annual results⁸²
8. Oct 23, 2024Reported quarterly or annual results⁸³

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

339 filings to the SEC since October 2021: 8 annual reports, 15 quarterly reports, 58 major events, 203 insider forms, 7 large holders, 1 private raises, 47 other. The latest 20:

1. Sep 22, 20264 EDGAR
2. Sep 18, 20268-K EDGAR
3. Aug 6, 20264 EDGAR
4. Aug 6, 202610-Q EDGAR
5. Jul 29, 2026SCHEDULE 13G/A EDGAR
6. Jul 22, 20268-K EDGAR
7. Jun 23, 20264 EDGAR
8. Jun 18, 202611-K EDGAR
9. Jun 17, 2026144 EDGAR
10. May 12, 20268-K/A EDGAR
11. May 12, 20264 EDGAR
12. May 12, 20264 EDGAR
13. May 12, 20264 EDGAR
14. May 12, 20264 EDGAR
15. May 12, 20264 EDGAR
16. May 12, 20264 EDGAR
17. May 12, 20264 EDGAR
18. May 12, 20264 EDGAR
19. May 12, 20264 EDGAR
20. May 12, 20264 EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

102 open-market trades by officers, directors and large owners since October 2021: 94 buys and 8 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• BlackRockSCHEDULE 13G/A, 2 filings Apr 27, 2026 to Jul 29, 2026⁸⁴
• VANGUARD GROUP INCSCHEDULE 13G/A, 2 filings Feb 13, 2024 to Mar 26, 2026⁸⁵

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Money raised

Private offerings the company reported to the SEC on Form D.

1. Nov 17, 2021Raised $75 million in a private offering of debt Form D: 30 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How FARMERS NATIONAL BANC CORP /OH/ is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARFARMERS NATIONAL BANC CORP /OH/¹
• CIK0000709337
• Employer ID (EIN)34-1371693³
• Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company³
• Incorporated inOhio³
• Fiscal year endsDecember 31¹
• Industry code (SIC)6022 State Commercial Banks¹
• SEC reviewing officeOffice of Finance, Division of Corporation Finance¹
• Business address20 S Broad Street, P O Box 555, Canfield, OH 44406¹
• Mailing address20 S Broad Street, Po Box 555, Canfield, OH 44406¹
• Phone3305333341¹
• Shares outstanding59,247,572 as of Jul 30, 2026¹⁰
• Public float$498.8M as of Jun 30, 2025³
• AuditorCrowe LLP, Columbus, Ohio PCAOB ID 173; it also attests to the company’s internal control over financial reporting³
• On EDGAR sinceNov 3, 1995¹
• Filings2,441 in all: 4 (1,587), 8-K (289), 5 (114), 10-Q (93), 3 (40), 425 (39), DEF 14A (33), 10-K (31)¹
  All 41 form types

  DEFA14A (19), CORRESP (18), PRE 14A (15), UPLOAD (15), 11-K (14), 4/A (14), 8-K/A (11), S-4/A (11), ARS (9), EFFECT (8), S-4 (8), 10-K/A (7), 3/A (7), 424B3 (7), SC 13G/A (7), S-1/A (6), S-3D (6), S-8 (6), SC 13D/A (4), SC 13G (4), 10-Q/A (3), SC 13D (3), SCHEDULE 13G/A (3), 144 (1), 424B4 (1), 5/A (1), 8-A12B (1), CERTNAS (1), D (1), DEFR14A (1), NT 11-K (1), S-1 (1), S-3 (1)

• Latest filingsAnnual report (10-K) Mar 5, 2026
  Quarterly report (10-Q) Aug 6, 2026
  Proxy statement (DEF 14A) Mar 16, 2026
  Latest 8-K (8-K) Sep 18, 2026

Securities registered for trading

From the cover page of the 10-K filed Mar 5, 2026 (Section 12(b) of the Exchange Act).³

Risk factors and legal proceedings

The risks FARMERS NATIONAL BANC CORP /OH/ names in Item 1A of its 10-K filed Mar 5, 2026: 35 risks under these headings, as written.³

• Risks Related to Our Business
• We extend credit to a variety of customers based on internally set standards and judgment. We manage credit risk through a program of underwriting standards, the review of certain credit decisions and an on-going process of assessment of the quality of credit already extended. Our credit standards and on-going process of credit assessment might not protect us from significant credit losses.
• We have significant exposure to risks associated with commercial real estate and residential real estate in our primary markets.
• Our indirect lending exposes us to increased credit risks.
• Commercial and industrial loans may expose us to greater financial and credit risk than other loans.
• We may be unable to integrate the business of the Company and Middlefield successfully or realize the anticipated benefits of the Merger.
• Our allowance for credit losses may not be adequate to cover the expected, lifetime losses in our loan portfolio.
• We are subject to certain risks with respect to liquidity.
• Our business strategy includes continuing our growth plans. Our business, financial condition or results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
• We may experience difficulties in integrating acquired businesses, or acquisitions may not perform as expected.
• We may fail to realize all of the anticipated benefits of acquisitions, which could reduce our anticipated profitability.
• We may not be able to attract and retain skilled people.

Legal proceedings

In the normal course of business, the Company and its subsidiaries are at times subject to pending and threatened legal actions, some for which the relief or damages sought are substantial. Although Farmers is not able to predict the outcome of such actions, after reviewing pending and threatened actions with counsel, management believes that, based on the information currently available, the outcome of such actions, individually or in the aggregate, would not have a material adverse effect on the results of operations or stockholders’ equity of the Company. However, it is possible that the ultimate resolution of these matters, if unfavorable, may be material to the results of operations in a particular future period as the time and amount of any resolution of such actions and its relationship to the future results of operations are not known.

The opening of Item 3, Legal Proceedings.³