The Farmers National Bank of Canfield: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Farmers National Bank of Canfield is growing quickly. The Canfield, Ohio bank had $7.2 billion in assets at June 30, 2026, up 38.7% from a year earlier. It grew its loan book 44.6% over the year, 7.6 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 7.9% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $23 million, 63% above the same quarter a year earlier. Over the same year, loans grew 44.6% and deposits grew 32.5%. Where it has less room is capital: it funds 9.55% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, The Farmers National Bank of Canfield reported a CET1 capital ratio of 12.64%, a return on assets of 1.26%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 7.86%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 20 S Broad St, Canfield, OH 44406
- County
- Mahoning
- Metro Area
- Youngstown-Warren, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 17, 1887
- Former names
- The Farmers National Bank of Canfield (1983)
- Offices
- 83 domestic
- Employees (FTE)
- 834
- Domestic deposits
- $5.87B
- Allowance for credit losses
- $53.3M
- Net charge-offs (YTD)
- $4.1M
- Average total assets
- $7.30B
- Average total loans
- $4.78B
- Average interest-bearing deposits
- $4.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6540
- Fed RSSD
- 680813
- SEC CIK
- 709337 → filed by FARMERS NATIONAL BANC CORP.
- Website
- www.farmersbankgroup.com →
- Parent Holding Company
- FARMERS NATIONAL BANC CORP. (RSSD 1071191) · FMNB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kevin J Helmick | CEO | President & CEO |
| Adair Alan Troy | CFO | SEVP/CFO |
| Michael E Matuszak | COO | SEVP/Chief Operating Officer |
| Timothy F Shaffer | CCO | SEVP, CCO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Farmers National Bank of Canfield terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Farmers National Bank of Canfield, freeThe Farmers National Bank of Canfield rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into The Farmers National Bank of Canfield
- The Middlefield Banking Company, effective March 2, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.64% | 1.26% | 1.33% | 7.86% | 3.53% |
| Q1 2026 | 12.67% | 1.27% | 1.59% | 10.47% | 3.21% |
| Q4 2025 | 13.20% | 1.11% | 1.25% | 6.86% | 3.15% |
| Q3 2025 | 12.64% | 0.92% | 1.40% | 9.91% | 3.10% |
| Q2 2025 | 12.67% | 1.05% | 1.19% | 8.32% | 3.03% |
| Q1 2025 | 12.36% | 1.03% | 0.64% | 6.59% | 2.94% |
| Q4 2024 | 11.88% | 1.07% | 0.68% | 8.03% | 2.81% |
| Q3 2024 | 11.46% | 0.63% | 0.58% | 6.11% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 83 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers National Bank of Canfield | Canfield , OH | 44406 | $787.6M |
| Middlefield Branch | Middlefield , OH | 44062 | $224.0M |
| Downtown Niles Office | Niles , OH | 44446 | $180.9M |
| Howland Branch | Warren , OH | 44484 | $168.1M |
| Chardon Branch | Chardon , OH | 44024 | $156.5M |
| North Lima Branch | North Lima , OH | 44452 | $155.1M |
| Columbiana Branch | Columbiana , OH | 44408 | $143.4M |
| Main Office (Cortland) Branch | Cortland , OH | 44410 | $115.4M |
| Elm Road Branch | Warren , OH | 44483 | $115.2M |
| Beachwood Branch | Beachwood , OH | 44122 | $106.1M |
| Cornersburg Branch | Youngstown , OH | 44511 | $105.7M |
| Girard Branch | Girard , OH | 44420 | $103.6M |
| West Branch | Middlefield , OH | 44062 | $102.1M |
| Bon Aire Branch | Butler , PA | 16001 | $99.1M |
| Ada Branch | Ada , OH | 45810 | $98.1M |
| Burbank Road Office Branch | Wooster , OH | 44691 | $96.3M |
| Poland Branch Office | Poland , OH | 44514 | $91.8M |
| Austintown Branch | Austintown , OH | 44515 | $89.8M |
| Garrettsville Branch | Garrettsville , OH | 44231 | $87.7M |
| Salem Branch | Salem , OH | 44460 | $86.0M |
| Boardman-Canfield Branch | Canfield , OH | 44406 | $84.3M |
| Titusville Branch | Titusville , PA | 16354 | $83.4M |
| Orrville Main Branch | Orrville , OH | 44667 | $83.0M |
| Lodi Branch | Lodi , OH | 44254 | $80.7M |
| Canton Lab Branch | North Canton , OH | 44720 | $78.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 2, 2026 | M&A | Acquired The Middlefield Banking Company merger for the acquired bank | SEC |
| March 2, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 2, 2026 | Structure Change | Acquired The Middlefield Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2023 | M&A | Acquired The Farmers National Bank of Emlenton merger for the acquired bank | SEC |
| January 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2023 | Structure Change | Acquired The Farmers National Bank of Emlenton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2021 | M&A | Acquired The Cortland Savings and Banking Company merger for the acquired bank | SEC |
| November 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2021 | Structure Change | Acquired The Cortland Savings and Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2020 | M&A | Acquired Geauga Savings Bank merger for the acquired bank | SEC |
| January 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2020 | Structure Change | Acquired Geauga Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2017 | M&A | Acquired The Monitor Bank merger for the acquired bank | SEC |
| August 16, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2017 | Structure Change | Acquired The Monitor Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2015 | M&A | Acquired 1st National Community Bank merger for the acquired bank | SEC |
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired 1st National Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2015 | M&A | Acquired First National Bank merger for the acquired bank | SEC |
| June 19, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2015 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2000 | M&A | Acquired The Security Dollar Bank merger for the acquired bank | SEC |
| December 31, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2000 | Structure Change | Acquired The Security Dollar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 24 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The Farmers National Bank of Canfield, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in OH, rank 13 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,110 applications, 1,527 loans originated, $348.7M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $800K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Farmers National Bank of Canfield
What are The Farmers National Bank of Canfield's total assets?
As of the Q2 2026 filing, The Farmers National Bank of Canfield reported total assets of $7.16 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Farmers National Bank of Canfield headquartered?
The Farmers National Bank of Canfield is headquartered in Canfield, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Farmers National Bank of Canfield founded?
The Farmers National Bank of Canfield was established in 1887, per the FDIC institution directory.
Is The Farmers National Bank of Canfield FDIC-insured?
Yes. The Farmers National Bank of Canfield is an FDIC-insured commercial bank (FDIC Certificate #6540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers National Bank of Canfield?
The Farmers National Bank of Canfield's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Farmers National Bank of Canfield's CET1 capital ratio?
The Farmers National Bank of Canfield reported a Common Equity Tier 1 (CET1) capital ratio of 12.64% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Farmers National Bank of Canfield operate?
The Farmers National Bank of Canfield operates 83 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers National Bank of Canfield's Texas Ratio?
The Farmers National Bank of Canfield's Texas Ratio is 7.86% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Farmers National Bank of Canfield previously called?
The charter now named The Farmers National Bank of Canfield has also operated as The Farmers National Bank of Canfield (1983), per FDIC structure-change records.
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