Farmers National (NASDAQ: FMNB) furnishes Q4 2025 earnings materials

Rhea-AI Filing Summary

Farmers National Banc Corp. filed a current report to note that it announced earnings for the quarter ended December 31, 2025. The company furnished a detailed earnings press release as Exhibit 99.1 and an investor presentation with additional fourth-quarter and other financial information as Exhibit 99.2.

The earnings materials are being furnished under Items 2.02 and 7.01, meaning they are not deemed “filed” for liability purposes under the Exchange Act and are not automatically incorporated into other securities filings unless specifically referenced.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 28, 2026

Farmers National Banc Corp.

(Exact name of registrant as specified in its charter)

Ohio	001-35296	34-1371693
(State or other jurisdiction	(Commission	(IRS Employer
of incorporation)	File Number)	Identification No.)

20 South Broad Street, P.O. Box 555, Canfield, Ohio	44406-0555
(Address of principal executive offices)	(Zip Code)

(330) 533-3341

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☒ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communication pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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 is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

Item 2.02         Results of Operations and Financial Condition.

On January 28, 2026, Farmers National Banc Corp. (the “Company”) announced earnings for the quarter ended December 31, 2025. A copy of the press release and certain financial information for this period is attached as Exhibit 99.1 hereto and incorporated by reference herein.

Also on January 28, 2026, the Company first provided investors with a supplemental presentation regarding fourth quarter earnings and other current financial information, attached as Exhibit 99.2 hereto and incorporated by reference herein.

Pursuant to General Instruction B.2 of Current Report on Form 8-K, the information in this Item 2.02 and Exhibits 99.1 and 99.2 is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section. Furthermore, the information in this Item 2.02 and Exhibits 99.1 and 99.2 shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933, as amended (the “Securities Act”) except as may be expressly set forth by specific reference in such filing.

Item 7.01         Regulation FD Disclosure.

On January 28, 2026, the Company announced earnings for the quarter ended December 31, 2025 and first provided investors with a supplemental presentation regarding fourth quarter earnings and other current financial information. A copy of the press release and certain financial information is attached as Exhibit 99.1 and incorporated by reference herein, and a copy of the supplemental investor presentation is attached as Exhibit 99.2 hereto and incorporated by reference herein.

The presentation is furnished herein, as part of this Item 7.01, as Exhibit 99.2.  Pursuant to General Instruction B.2 of Current Report on Form 8-K, the information in this Item 7.01 and Exhibit 99.2 shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section. Furthermore, the information in this Item 7.01 and Exhibit 99.2 shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act, except as may be expressly set forth by specific reference in such filing.

Item 9.01         Financial Statements and Exhibits.

(d)          Exhibits.

Exhibit Number	Description
99.1	Press Release, dated January 28, 2026
99.2	Investor Presentation, dated January 28, 2026
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Farmers National Banc Corp.
	By:	/s/ Kevin J. Helmick
	Kevin J. Helmick
	President and Chief Executive Officer

Date: January 28, 2026

FAQ

What did Farmers National Banc Corp. (FMNB) disclose in this 8-K?

Farmers National Banc Corp. disclosed that it announced earnings for the quarter ended December 31, 2025. The company furnished a detailed earnings press release and an investor presentation as Exhibits 99.1 and 99.2 for investors.

Which period do the reported Farmers National Banc Corp. (FMNB) earnings cover?

The reported earnings cover the quarter ended December 31, 2025. This fourth-quarter period is the focus of both the press release and the supplemental investor presentation furnished as part of the current report on Form 8-K.

What exhibits are included with Farmers National Banc Corp.’s January 28, 2026 8-K?

The 8-K includes Exhibit 99.1, an earnings press release dated January 28, 2026, and Exhibit 99.2, an investor presentation dated the same day. It also includes Exhibit 104, the cover page interactive data file in Inline XBRL format.

Are Farmers National Banc Corp.’s Q4 2025 earnings materials considered “filed” with the SEC?

No, the earnings press release and investor presentation are expressly furnished, not filed, under Items 2.02 and 7.01. They are not subject to Section 18 liability and are not incorporated into other filings unless specifically referenced.

What is included in Farmers National Banc Corp.’s investor presentation for Q4 2025?

The investor presentation provides supplemental information on fourth-quarter earnings and other current financial data. It is furnished as Exhibit 99.2 and is intended to give investors additional context beyond the primary earnings press release.