Farmers National Banc (FMNB) Beats Q2 2026 Earnings by Nearly 10%

As seen on the 24/7 Wall St. homepage on July 22, 2026.

FMNB Farmers National Banc
Q2 2026
EPS
$0.41
est $0.37 +9.8%
Revenue
$70M
est $70M +0.5%

Net interest margin surged to 3.44% from 2.91% a year ago after the Middlefield acquisition, helping Farmers National crush Q2 earnings by nearly 10% while credit quality improved sharply with non-performing loans plunging 25.4%.

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Farmers National Banc reported Q2 2026 earnings per share of $0.41, topping the consensus estimate of $0.37 by about 10%. Revenue came in at $70.4 million, just ahead of the $70.05 million analysts had expected. The beat marks a continuation of a strong recent stretch for the company, which also cleared estimates in Q1 2026 and Q3 2025.

The headline driver was a sharp expansion in net interest margin, which climbed to 3.44% from 2.91% a year ago following the Middlefield acquisition. That deal appears to be paying off on the credit quality front as well, with non-performing loans falling 25.4%, a sign that the combined loan book is holding up better than it was twelve months prior.

Looking at the recent earnings history, FMNB has been a fairly consistent outperformer, though Q4 2025 was a notable exception when the bank reported $0.40 against an estimate of $0.47. The Q2 2026 result brings the bank back to familiar territory, and the improving margin trend will be the key metric for investors to track in coming quarters.

Mentioned: FMNB