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The Farmers National Bank of Canfield
Canfield, OH·FDIC Cert #6540·Charter: OCC·Est. 18870217.0·HC: FARMERS NATIONAL BANC CORP
Total Assets
$5.2B
Q4 2025
Return on Assets
1.07%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.97%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.07%+0.03
ROE
11.50%+0.05
Efficiency
56.97%-0.84
Equity/Assets
0.00%+0.00
NPL Ratio
0.80%-0.27
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.76%+0.36
Charge-offs
0.19%+0.13
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.8 | 0.9 | 1.1 | 1.1 | 1.0 | 1.1 |
| ROE | 11.1 | 11.4 | 10.0 | 10.8 | 12.3 | 12.2 | 11.4 | 11.5 |
| Efficiency | 58.9 | 58.7 | 58.2 | 57.4 | 57.9 | 55.7 | 57.8 | 57.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.6 | 0.7 | 0.6 | 0.9 | 1.1 | 0.8 |
| Charge-offs | 0.1 | 0.1 | 0.3 | 0.2 | 0.0 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 74.1 | 75.3 | 73.5 | 75.0 | 71.2 | 73.8 | 74.4 | 74.8 |
Balance Sheet
Total Assets$5.2B
Total Deposits$4.4B
Total Loans$3.3B
Total Equity$527.9M
Profitability
ROA1.07%
ROE11.50%
Efficiency Ratio56.97%
Net Income$55.2M
Risk & Asset Quality
NPL Ratio0.80%
Charge-off Rate0.19%
Loan/Deposit74.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans