The Farmers National Bank of Canfield
Also written as FNB of Canfield
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Data as of · sourced from FFIEC call reports. How we update
The Farmers National Bank of Canfield is an FDIC-insured commercial bank headquartered in Canfield, OH, supervised by the OCC, with $7.16B in total assets at Q2 2026, up 38.7% from Q2 2025, the 10th largest of 154 banks headquartered in Ohio. It was established in 1887 and holds FDIC certificate 6540. Its CET1 capital ratio was 12.64% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6540
- Headquarters
- Canfield, OH
- Established
- 1887
- Total assets, Q2 2026
- $7.16B
- Assets vs Q2 2025
- +38.7%
- CET1 ratio, Q2 2026
- 12.64%
- Domestic offices
- 85 · The Farmers National Bank of Canfield branches FDIC institution directory, current count
- Routing number
- 041209080
- Safety and soundness
- Is The Farmers National Bank of Canfield safe?
- Latest call report
- Q2 2026, FFIEC 041 · The Farmers National Bank of Canfield call report
- Holding company
- FARMERS NATIONAL BANC CORP.
- Asset rank in state
- 10th of 154 in Ohio
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, 7.5 times the median of 6.0% for the 880 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 10.49%).
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 0.93% and a Texas ratio of 7.86%. The figures come from its call report filed with the FFIEC.
The Farmers National Bank of Canfield ranks as the 10th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $7.16B, loans fell 0.5% and deposits fell 1.2%. 1-4 family residential loans made up 32.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.2%. Its 83 offices in the FDIC Summary of Deposits are in 69 cities across 2 states; its Canfield 3 offices book 15% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Farmers National Bank of Canfield meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 85 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Farmers National Bank of Canfield's total assets ran between $4.96B (Q3 2023) and $7.22B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.16B total assets against $5.16B; $6.34B total liabilities against $4.69B.
$4.73B net loans and leases against $3.27B; $5.87B total deposits against $4.43B.
$1.47B securities against $1.27B; $156.5M cash and balances due against $86.7M.
$86.1M total interest income against $57.7M; $28.9M total interest expense against $21.8M.
$57.2M net interest income against $35.9M.
$10.5M total noninterest income against $9.0M; $37.8M total noninterest expense against $24.7M.
$2.4M provision for credit losses against $3.5M.
$23.0M net income against $14.1M.
1.26% return on assets against 1.05%; 3.53% net interest margin against 3.03%.
12.64% CET1 capital ratio against 12.67%; 9.55% tier 1 leverage ratio against 9.12%.
Inside the full The Farmers National Bank of Canfield terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers National Bank of Canfield rankings
Its closest position to the top of a national ranking is 211 of 4,196, for total assets; its furthest is 1,519 of 2,134, for CET1 ratio.
Banks merged into The Farmers National Bank of Canfield
- The Middlefield Banking Company, effective March 2, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.27% (Q1 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.53% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.64% | 1.26% | 0.93% | 7.86% | 3.53% |
| Q1 2026 | 12.67% | 1.27% | 1.25% | 10.47% | 3.21% |
| Q4 2025 | 13.20% | 1.11% | 0.79% | 6.86% | 3.15% |
| Q3 2025 | 12.64% | 0.92% | 1.06% | 9.91% | 3.10% |
| Q2 2025 | 12.67% | 1.05% | 0.84% | 8.32% | 3.03% |
| Q1 2025 | 12.36% | 1.03% | 0.64% | 6.59% | 2.94% |
| Q4 2024 | 11.88% | 1.07% | 0.70% | 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
View all 83 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in OH, rank 13 of 184 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Farmers National Bank of Canfield headquartered?
It is headquartered in Canfield, OH, United States.
When was The Farmers National Bank of Canfield founded?
It was established in 1887, per the FDIC institution directory.
Is The Farmers National Bank of Canfield FDIC-insured?
Yes. It 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.
What is The Farmers National Bank of Canfield's CET1 capital ratio?
It 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?
It operates 85 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?
Its Texas Ratio is 7.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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