Farmers National Banc Corp. · NASDAQ:FMNB
Farmers National Banc — Q3 2026 Earnings Presentation
20 slides from Farmers National Banc's earnings presentation, Oct 28, 2026
Slide 1: Q3 2026 Investor Presentation
FARMERS NATIONAL BANC CORP. Q3 2026 Investor Presentation NASDAQ: FING
Slide 2: Disclosure Statement
|Disclosure Statement Forward-Looking Statements ements tine mean of he rate ection Refer At of 1995 foal orton, Tuk operas se quay Wee nd pea noterat Sane eae nal fas tt. mona and orcs fare everson ary ih bye ratte ae mers cana Farsisoling sutures are pended by tra uth as oipec” "Slee “enor sear eg
Slide 3: About Farmers National Banc Corp.
|About Farmers National Banc Corp. + $7. bilion in banking assets + $5. lon in weath management assets under + $0.72 (46%) annuataed dvidend yels* + 175 consecutwe quarters of proftabilty + Stong and verse franchise curently operating + 80 banking nations throughout Ohio ane Penasyiania + Grout pan
Slide 4: Local, Established & Experienced Leadership Team
Local, Established & Experienced Leadership Team Toddsimkocary | Mark wenice 66) FARMERS | «
Slide 5: Farmers Strategic Vision
| Farmers Strategic Vision Leveraging our History with Modern Banking Technologies to Support our Future Invest in our Franchise Drive Financial Excellence + Leverage teehclogy * Sve fr perfomance mevsn top quate rankings pee group + Aasure Farmers ite best place to ark + Main financial tren FARMERS
Slide 6: Proven Acquisition History and Strategy
| Proven Acquisition History and Strategy ‘Long tem strategy of value enhancing acquisitions ign acquions inthe pastnie years Target tances wi sia clue, “Srelingreptaton nd org Facus on buinestes tat ‘Shopporuniges a ders opin ino comping banking martes Manageable init tangibie book sive ‘sion eason
Slide 7: Financial Performance
FARMERS NATIONAL BANC CORP. Financial Performance NASDAQ: FING
Slide 8: Balance Sheet Strengths
| Balance Sheet Strengths. snons ania rani Customer Deposits* s58bilion $43billion $42billion Cash Balances 111.9 millon $924 million 85.7 milion Loan-to-Deposit Ratio 83.6% 76.1% 76.656 Allowance to Loans 1.10% 1.11% 110% Tota Risk-based Capital Ratio rane 155% 14.6% FARMERS | 7
Slide 9: Core Results
| Core Results overview Core Net income Core PS rerun song hough calengng environments ee mame + Roturtfeebsnere Proce aby bel [ sous Core Return on Assets Core EPS ARMERS | +
Slide 10: Loan Portfolio Overview
{Loan Portfolio Overview overview Total Loans jn mions) Net Loans to Assets sul Reser Moraes Commer a: ‘a: a> RMERS | »
Slide 11: CRE
|CRE overview CRE Breakdown Well diversified portfolio Pee Seogondtodare ssn Canty a! CRE Categories Loans by Industry Type H 2a y 3 998 Es p- FARMERS 0
Slide 12: Asset Quality Trends
| Asset Quality Trends overview Net charge-offs to Avg. Net Loans + ny stage dengue were $23.4 lon, 049% of tl ‘ato = al mae ae a [NPLs/Total Loans & Leases sn susan) ACL to Total Loans
Slide 13: Securities Portfolio
{Securities Portfolio overview + ‘tse esmentsecuties poroois categorized as ‘labeforsie + -Atags and Os are US. government agency issued + Auman scutes re neon te mrty + Theduradon ofthe aalabeforsse secures portato SE. yearsatSeptembe 30,2026 + Assuming na cangesto interest rates tne unrstzes tons
Slide 14: Deposit Trends
| Deposit Trends overview Customer Deposit Composition rseng ~ mmpeadwanjorn aon eas - * Noone bn teeta caer pa f Customer Deposit composition nmin “= ot - 7 - FARMERS | »
Slide 15: Liquidity
| Liquidity Farmers National Banc Corp. has the following sources of liquidity at the holding company as of September 30, 2026, $95.3 milion of cash and equates $10.0 millon of unsecured lines of credit with a zero balance Farmers National Bank has the following sources of liquidity as of September
Slide 16: Net Interest Income and NIM Trends
| Net Interest Income and NIM Trends Net interest Income gn howsands) po + Fecused on gonig tons to manage net cares margin face fe redepp ina soctaoat ei = | i 1 | | Net interest Margin Loans to Deposits FARMERS | «
Slide 17: Noninterest Income Trends
|Noninterest Income Trends overview ‘Total Noninterest Income (in nousancs) Robust wut Weokh Managment and insurance buses + Working to cestenoninerestincme toto venue Noninterest income to Total Revenue* Components of NoninterestIncomet enous oa a | aa | a FARMERS | «
Slide 18: Noninterest Expense Trends
|Noninterest Expense Trends overview Noninterest Expense to Average Assets + Over ocuson dking eicences ‘ Sone neerrenineonre "Noninterest Expense (nviusanis) 2 Efficiency Ratio
Slide 19: Capital
| Capital overs + igipacacipammeate + Announced 292000 share repurchase program ng} 2025, + strong atacens payee Total Risk Based Capital Tier 1 Leverage Ratio “ARM S |
Slide 20: Appendix - Non GAAP Reconciliations
ppppenalx - Non GAAP Reconciliations EARMERS | »
Farmers National Banc — Q3 2026 Earnings Presentation on 6ix