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No merger costs were recorded for the three months ended March 31, 2025. Excludes $14.8 million in allowance for credit losses booked in the first quarter of 2026. 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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

☒ Quarterly Report Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

☐ Transition Report Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

For the Quarterly period ended March 31, 2026

Commission file number 001-35296

FARMERS NATIONAL BANC CORP.

(Exact name of registrant as specified in its charter)

ohio	34-1371693
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No)

20 South Broad Street Canfield, OH	44406
(Address of principal executive offices)	(Zip Code)

(330) 533-3341

(Registrant’s telephone number, including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

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: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer	☐	Accelerated filer	☒

Non-accelerated filer	☐	Small reporting company	☐

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. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

Class		Outstanding at April 30, 2026
Common Stock, No Par Value		59,215,021 shares

Table of Contents

		Page Number
PART I - FINANCIAL INFORMATION

Item 1	Financial Statements (Unaudited)

	Included in Part I of this report:

	Farmers National Banc Corp. and Subsidiaries

	Consolidated Condensed Balance Sheets (Unaudited)	2
	Consolidated Condensed Statements of Income (Unaudited)	3
	Consolidated Condensed Statements of Comprehensive Income (Unaudited)	4
	Consolidated Condensed Statements of Stockholders’ Equity (Unaudited)	5
	Consolidated Condensed Statements of Cash Flows (Unaudited)	6
	Notes to Unaudited Condensed Consolidated Financial Statements	7

Item 2	Management’s Discussion and Analysis of Financial Condition and Results of Operations	39

Item 3	Quantitative and Qualitative Disclosures About Market Risk	45

Item 4	Controls and Procedures	46

PART II - OTHER INFORMATION		46

Item 1	Legal Proceedings	46

Item 1A	Risk Factors	46

Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	47

Item 3	Defaults Upon Senior Securities	47

Item 4	Mine Safety Disclosures	47

Item 5	Other Information	47

Item 6	Exhibits	48

SIGNATURES		49

10-Q Certifications

Section 906 Certifications

Table of Contents

CONSOLIDATED CONDENSED BALANCE SHEETS (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands of Dollars)
	*March 31,*			*December 31,*
	*2026*			*2025*
ASSETS
Cash and due from banks	$	38,220		$	20,486
Federal funds sold and other		147,863			71,871
TOTAL CASH AND CASH EQUIVALENTS		186,083			92,357
Securities available for sale, at fair value (Amortized cost $1,673,903 in 2026 and $1,525,224 in 2025)		1,484,198			1,343,457
Other investments		54,858			45,397
Loans held for sale, at fair value		1,919			1,516
Loans		4,800,064			3,304,713
Less allowance for credit losses		54,684			36,811
NET LOANS		4,745,380			3,267,902
Premises and equipment, net		78,926			56,861
Goodwill		271,651			167,450
Other intangibles, net		36,812			17,851
Bank owned life insurance		153,089			119,367
Tax credit investments		32,037			29,256
Other assets		130,523			104,456
TOTAL ASSETS	$	7,175,476		$	5,245,870

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
Noninterest-bearing	$	1,334,021		$	994,122
Interest-bearing		4,587,364			3,348,656
TOTAL DEPOSITS		5,921,385			4,342,778
Short-term borrowings		341,000			281,000
Long-term borrowings		94,108			86,733
Other liabilities		52,093			49,634
TOTAL LIABILITIES		6,408,586			4,760,145
Commitments and contingent liabilities
Stockholders' Equity:
Common Stock, no par value; 75,000,000 and 50,000,000 shares authorized in 2026 and 2025, respectively; 60,772,208 and 39,321,709 shares issued, respectively; 59,191,712 and 37,653,183 shares outstanding, respectively		642,815			366,625
Retained earnings		296,028			286,196
Accumulated other comprehensive income (loss)		(150,155	)		(144,075	)
Treasury stock, at cost; 1,580,496 and 1,668,526 shares in 2026 and 2025, respectively		(21,798	)		(23,021	)
TOTAL STOCKHOLDERS' EQUITY		766,890			485,725
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	7,175,476		$	5,245,870

See accompanying notes

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF INCOME (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands except Per Share Data)
	For the Three Months Ended
	*March 31,*			*March 31,*
	*2026*			*2025*
INTEREST AND DIVIDEND INCOME
Loans, including fees	$	55,109		$	46,707
Taxable securities		7,773			7,096
Tax exempt securities		2,793			2,451
Dividends		761			541
Federal funds sold and other interest income		681			510
TOTAL INTEREST AND DIVIDEND INCOME		67,117			57,305
INTEREST EXPENSE
Deposits		20,440			19,717
Short-term borrowings		3,135			2,417
Long-term borrowings		974			976
TOTAL INTEREST EXPENSE		24,549			23,110
NET INTEREST INCOME		42,568			34,195
(Credit) provision for credit losses		(1,013	)		22
(Credit) for unfunded commitments		(21	)		(226	)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		43,602			34,399
NONINTEREST INCOME
Service charges on deposit accounts		1,966			1,758
Bank owned life insurance income		1,492			810
Trust fees		3,030			2,641
Insurance agency commissions		1,683			1,741
Security (losses), including fair value changes for equity securities		(18	)		(1,313	)
Retirement plan consulting fees		886			798
Investment commissions		871			529
Net gains on sale of loans		380			326
Other mortgage banking income (loss), net		477			147
Debit card and EFT fees		2,023			1,866
Other operating income		898			1,178
TOTAL NONINTEREST INCOME		13,688			10,481
NONINTEREST EXPENSES
Salaries and employee benefits		18,511			16,166
Occupancy and equipment		5,126			4,138
FDIC insurance and state and local taxes		1,603			1,262
Professional fees		1,112			1,196
System conversion/Acquisition related costs		3,981			0
Advertising		544			456
Intangible amortization		865			735
Core processing charges		1,750			1,397
Other operating expenses		3,826			3,176
TOTAL NONINTEREST EXPENSES		37,318			28,526
INCOME BEFORE INCOME TAXES		19,972			16,354
INCOME TAXES		3,708			2,776
NET INCOME	$	16,264		$	13,578
EARNINGS PER SHARE - basic	$	0.36		$	0.36
EARNINGS PER SHARE - diluted	$	0.36		$	0.36

See accompanying notes

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands of Dollars)
	For the Three Months Ended
	*March 31,*			*March 31,*
	*2026*			*2025*
NET INCOME	$	16,264		$	13,578
Other comprehensive income (loss):
Net unrealized holding (losses) gains on available for sale securities		(7,937	)		19,109
Reclassification adjustment for losses realized in income on sales		0			1,334
Reclassification adjustment for losses (gains) realized in income on fair value hedge		241			(235	)
Net unrealized holding gains		(7,696	)		20,208
Income tax effect		1,616			(4,244	)
Unrealized holding (losses) gains, net of reclassification and tax		(6,080	)		15,964
Change in funded status of post-retirement plan, net of tax		0			0
Other comprehensive (loss) income, net of tax		(6,080	)		15,964
TOTAL COMPREHENSIVE INCOME	$	10,184		$	29,542

See accompanying notes

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF STOCKHOLDERS’ EQUITY (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

(Table Dollar Amounts in Thousands except Per Share Data)

							Accumulated
							Other
	Common			Retained			Comprehensive			Treasury
	Stock			Earnings			Income (Loss)			Stock			Total
Balance December 31, 2025	$	366,625		$	286,196		$	(144,075	)	$	(23,021	)	$	485,725
Net income					16,264									16,264
Other comprehensive income (loss)								(6,080	)					(6,080	)
Share Issuance as part of a business combination		277,355												277,355
Restricted share issuance		(815	)								815			0
Stock based compensation expense		662												662
Vesting of Incentive Plan		(1,012	)								1,012			0
Share forfeitures for taxes											(604	)		(604	)
Dividends paid at $0.17 per share					(6,432	)								(6,432	)
Balance March 31, 2026	$	642,815		$	296,028		$	(150,155	)	$	(21,798	)	$	766,890

							Accumulated
							Other
	Common			Retained			Comprehensive			Treasury
	Stock			Earnings			Income (Loss)			Stock			Total
Balance December 31, 2024	$	366,059		$	257,173		$	(193,265	)	$	(23,939	)	$	406,028
Net income					13,578									13,578
Other comprehensive income (loss)								15,964						15,964
Restricted share issuance		(491	)								491			0
Restricted share forfeitures		0									0			0
Stock based compensation expense		642												642
Vesting of Incentive Plan		(565	)								565			0
Share forfeitures for taxes											(683	)		(683	)
Dividends paid at $0.17 per share					(6,395	)								(6,395	)
Balance March 31, 2025	$	365,645		$	264,356		$	(177,301	)	$	(23,566	)	$	429,134

See accompanying notes.

Table of Contents

CONSOLIDATED CONDENSED STATEMENTS OF CASH FLOWS (Unaudited)

FARMERS NATIONAL BANC CORP. AND SUBSIDIARIES

	(In Thousands of Dollars)
	Three Months Ended
	*March 31,*			*March 31,*
	*2026*			*2025*
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$	16,264		$	13,578
Adjustments to reconcile net income to net cash from operating activities:
Provision (credit) for credit losses		(1,013	)		22
Credit for unfunded loans		(21	)		(226	)
Depreciation and amortization		2,001			1,613
Net (accretion) amortization of securities		(479	)		37
Available for sale security losses		0			1,334
Realized losses (gains) on equity securities		18			(21	)
Loss on premises and equipment sales and disposals, net		10			24
Stock compensation expense		662			642
Earnings on bank owned life insurance		(966	)		(699	)
Income recognized from death benefit on bank owned life insurance		(526	)		(111	)
Origination of loans held for sale		(19,872	)		(16,486	)
Proceeds from loans held for sale		19,849			19,089
Net (gains) on sale of loans		(380	)		(326	)
Net change in other assets and liabilities		(7,974	)		(2,800	)
NET CASH FROM OPERATING ACTIVITIES		7,573			15,670
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities and repayments of securities available for sale		20,495			14,850
Proceeds from sales of securities available for sale		0			23,901
Purchases of securities available for sale		(15,927	)		(34,539	)
Proceeds from sales of equity securities		53			28
Purchase of equity securities		(53	)		(30	)
Proceeds from maturities and repayments of SBIC funds		61			216
Purchases of SBIC funds		(390	)		(1,464	)
Proceeds from redemption of restricted stock		18,785			6,946
Purchase of restricted stock		(16,886	)		(604	)
Loan originations and payments, net		14,399			23,044
Purchase of portfolio loans		0			(8,044	)
Proceeds from loans held for sale previously classified as portfolio loans		0			1,600
Proceeds from BOLI death benefit		562			0
Purchase of company owned life insurance		0			(15,000	)
Proceeds from land, building and equipment sales		25			11
Additions to premises and equipment		(507	)		(3,498	)
Net cash paid in business combinations		64,757			0
NET CASH FROM INVESTING ACTIVITIES		85,374			7,417
CASH FLOWS FROM FINANCING ACTIVITIES
Net change in deposits		92,815			214,509
Net change in short-term borrowings		(85,000	)		(203,000	)
Cash dividends paid		(6,371	)		(6,361	)
Cash paid for withholding taxes on share-based awards		(665	)		(717	)
NET CASH FROM FINANCING ACTIVITIES		779			4,431
NET CHANGE IN CASH AND CASH EQUIVALENTS		93,726			27,518
Beginning cash and cash equivalents		92,357			85,738
Ending cash and cash equivalents	$	186,083		$	113,256
Supplemental cash flow information:
Interest paid	$	26,535		$	24,793
Supplemental noncash disclosures:
Issuance of stock awards	$	1,827		$	1,056
Issuance of stock for business combination	$	277,363		$	0
Transfer of loans to loans held for sale	$	0		$	1,845
Lease liabilities arising from obtaining right-of-use assets	$	3,486		$	149

See Note 2 regarding non-cash transactions included in the acquisition.

See accompanying notes

Table of Contents

NOTES TO UNAUDITED CONSOLIDATED CONDENSED FINANCIAL STATEMENTS

Principles of Consolidation:

Farmers National Banc Corp. (“Company” or “Farmers”) is a Financial Holding Company registered under the Bank Holding Company Act of 1956, as amended. The Company provides full banking services through its nationally chartered subsidiary, The Farmers National Bank of Canfield (“Bank”). The consolidated financial statements also include the accounts of the Bank’s subsidiaries: Farmers National Insurance, LLC (“Insurance”) and Farmers of Canfield Investment Co. (“Investments”). The Company provides trust and retirement consulting services through its subsidiary, Farmers Trust Company (“Trust”), and insurance services through the Bank’s subsidiary, Insurance. The consolidated financial statements include the accounts of the Company, the Bank and its subsidiaries, along with the Trust company. All significant intercompany balances and transactions have been eliminated in the consolidation.

Basis of Presentation:

The unaudited consolidated condensed financial statements have been prepared in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles (“U.S. GAAP”) for complete financial statements. The financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s 2025 Annual Report to Shareholders included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 (“2025 Form 10-K”). The interim consolidated financial statements include all adjustments (consisting of only normal recurring items) that, in the opinion of management, are necessary for a fair presentation of the financial position and results of operations for the periods presented. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for a full year. Certain items included in the prior period financial statements were reclassified to conform to the current period presentation. There was no effect on net income or total stockholders’ equity.

Estimates:

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Segments:

The Company provides a broad range of financial services to individuals and companies in northeastern Ohio and western Pennsylvania. Operations are managed and financial performance is primarily aggregated and reported in two lines of business, the Bank segment and the Trust segment.

Equity:

There are 75,000,000 shares authorized and available for issuance as of March 31, 2026. Outstanding shares at March 31, 2026 were 59,191,712.

Comprehensive Income:

Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) consists of unrealized gains and losses on securities available for sale and changes in the funded status of the post-retirement plan, which are recognized as components of stockholders’ equity, net of tax effect.

Updates to Significant Accounting Policies:

New Accounting Standard:

In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326). ASU 2025-08 expands the use of the gross up method to certain acquired loans beyond purchased financial assets with credit deterioration. The ASU applies the gross-up method to acquired non-PCD assets that are purchased seasoned loans ultimately eliminating the Day 1 credit loss expense and reducing interest income recognized in subsequent periods. The ASU is effective for interim and annual reporting periods in fiscal years beginning after December 15, 2026, and is applied on a prospective basis. Early adoption is permitted. This update was adopted by the Company during the first quarter of 2026.

Table of Contents

Business Combinations:

On March 2, 2026, the Company completed its previously announced merger with Middlefield Banc Corp., an Ohio corporation (“Middlefield”), pursuant to the Agreement and Plan of Merger dated as of October 22, 2025, between the Company and Middlefield (the “Merger Agreement”). Pursuant to the terms of the Merger Agreement, at the effective time of the Merger (the “Effective Time”) Middlefield merged with and into the Company (the “Merger”), with the Company as the surviving entity in the Merger. Promptly following the consummation of the Merger, The Middlefield Banking Company, the banking subsidiary of Middlefield, merged with and into The Farmers National Bank of Canfield, the national banking subsidiary of the Company (“Farmers Bank”), with Farmers Bank as the surviving bank.

Pursuant to the terms of the Merger Agreement, at the Effective Time of the Merger, each common share, without par value, of Middlefield (“Middlefield Common Shares”) issued and outstanding immediately prior to the Effective Time was converted into the right to receive 2.6 common shares, without par value, of the Company (“Company Common Shares”). No fractional Company Common Shares were issued in the Merger, and Middlefield’s shareholders became entitled to receive cash in lieu of fractional Company Common Shares, which represented a transaction value of approximately $277.4 million based on its closing stock price of $12.93 on February 27, 2026.

In accordance with ASC 805, the Company expensed $3.7 million of merger related costs during the three months ended March 31, 2026. There were no merger related expenses recorded during the three months ended March 31, 2025. The Company recorded goodwill of $104.2 million as a result of the Merger. Goodwill represents the future economic benefits arising from net assets acquired that are not individually identified and separately recognized and is attributable to synergies, including the reduction of personnel and overlapping contracts, expected to be derived from the Company’s strategy to enhance and expand its presence. The Merger offers the Company the opportunity to increase profitability by introducing existing products and services to the acquired customer base as well as add new customers in the expanded market area. The goodwill was determined not to be deductible for income tax purposes.

The following table summarizes the consideration paid for Middlefield and the amounts of the assets acquired and liabilities assumed on the closing date of the Merger.

(In Thousands of Dollars)
Consideration
Cash	$	8
Stock		277,355
Fair value of total consideration transferred	$	277,363
Fair value of assets acquired
Cash and cash equivalents	$	64,759
Securities available for sale		152,767
Loans, net		1,490,843
Premises and equipment		22,609
Bank owned life insurance		35,715
Core deposit intangible		19,826
Current and deferred taxes		7,473
Other assets		29,821
Total assets acquired		1,823,813
Fair value of liabilities assumed
Deposits		1,485,792
Short-term borrowings		145,000
Long-term borrowings		7,223
Accrued interest payable and other liabilities		12,636
Total liabilities		1,650,651
Net assets acquired	$	173,162
Goodwill created		104,201
Total net assets acquired	$	277,363

The fair value of net assets acquired includes fair value adjustments to certain receivables that were considered performing as of the effective date of the Merger. The fair value adjustments were determined using the income method, discounted cash flow approach. However, the Company believes that all contractual cash flows related to these financial instruments will be collected. As such, these receivables were not considered purchase credit deteriorated (“PCD”) at the Merger effective date and were not subject to the guidance relating to PCD loans. Receivables acquired that were not subject to these requirements had a fair value and gross contractual amounts receivable of $1.46 billion and $1.48 billion on the date of acquisition.

The fair value of purchased financial assets that were classified as PCD loans are discussed in the Purchased Loans footnote.

The following table presents unaudited pro forma information as if the Merger had occurred on January 1, 2025. The pro forma adjustments give effect to any change in interest income due to the accretion of the discount associated with the fair value adjustments to acquired loans, any change in interest expense due to estimated premium amortization/discount accretion associated with the fair value adjustment to acquired interest-bearing deposits and long-term debt and the amortization of the core deposit intangible that would have resulted had the deposits been acquired as of January 1, 2025. The pro forma information is not indicative of what would have occurred had the Merger occurred as of the beginning of the year prior to the Merger effective date. The pro forma amounts below do not reflect any adjustments to the provision for credit losses for acquired loans, or the Company's expectations as of the date of the pro forma information of further operating cost savings and other business synergies expected to be achieved, including revenue growth as a result of the Merger. As a result, actual amount differed from the unaudited pro forma information presented.

	Three months ended
(In Thousands of Dollars)	March 31, 2026		March 31, 2025
Net interest income	$	58,413	$	51,422
Noninterest income		14,751		12,425
Noninterest expense (1)		48,268		40,208
Net income (1)(2)		21,069		19,543

(1) Excludes $14.5 million in merger expense for the three months ended March 31, 2026. No merger costs were recorded for the three months ended March 31, 2025.

(2) Excludes $14.8 million in allowance for credit losses booked in the first quarter of 2026. There was not a similar entry for the first quarter of 2025.

Securities:

The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at March 31, 2026 and December 31, 2025, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss). No allowance for credit losses have been recognized for the securities portfolio at March 31, 2026 or December 31, 2025.

			Gross		Gross
	Amortized		Unrealized		Unrealized
(In Thousands of Dollars)	Cost		Gains		Losses			Fair Value
March 31, 2026
U.S. Treasury and U.S. government sponsored entities	$	104,720	$	29	$	(9,851	)	$	94,898
State and political subdivisions		716,934		1,710		(92,688	)		625,956
Corporate bonds		32,213		140		(280	)		32,073
Mortgage-backed securities		635,441		610		(83,320	)		552,731
Collateralized mortgage obligations		182,586		617		(6,543	)		176,660
Small Business Administration		2,009		0		(129	)		1,880
Totals	$	1,673,903	$	3,106	$	(192,811	)	$	1,484,198

			Gross		Gross
	Amortized		Unrealized		Unrealized
(In Thousands of Dollars)	Cost		Gains		Losses			Fair Value
December 31, 2025
U.S. Treasury and U.S. government sponsored entities	$	104,737	$	45	$	(9,487	)	$	95,295
State and political subdivisions		589,236		2,632		(88,171	)		503,697
Corporate bonds		13,171		163		(289	)		13,045
Mortgage-backed securities		629,376		731		(82,973	)		547,134
Collateralized mortgage obligations		186,494		1,461		(5,739	)		182,216
Small Business Administration		2,210		0		(140	)		2,070
Totals	$	1,525,224	$	5,032	$	(186,799	)	$	1,343,457

The proceeds from sales of available-for-sale securities and the associated gains and losses are as follows:

	*Three Months Ended*
	*March 31,*
(In Thousands of Dollars)	*2026*		*2025*
Proceeds	$	0	$	23,901
Gross gains		0		0
Gross losses		0		(1,334	)

The amortized cost and fair value of the debt securities portfolio are shown in the table below by expected maturity. Expected maturities may differ from contractual maturities if issuers have the right to call or prepay obligations with or without call, or prepayment penalties. Securities not due at a single maturity date are shown separately.

	*March 31, 2026*
(In Thousands of Dollars)	Amortized Cost		Fair Value
Maturity
Within one year	$	4,668	$	4,644
One to five years		77,267		72,915
Five to ten years		209,826		194,283
Beyond ten years		562,106		481,085
Mortgage-backed, collateralized mortgage obligations and Small Business Administration securities		820,036		731,271
Total	$	1,673,903	$	1,484,198

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The following table summarizes the investment securities with unrealized losses for which an allowance for credit losses has not been recorded at March 31, 2026 and December 31, 2025, aggregated by major security type and length of time in a continuous unrealized loss position.

	Less than 12 Months					12 Months or Longer					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(In Thousands of Dollars)	Value		Loss			Value		Loss			Value		Loss
March 31, 2026

U.S. Treasury and U.S. government sponsored entities	$	1,159	$	(11	)	$	92,833	$	(9,840	)	$	93,992	$	(9,851	)
State and political subdivisions		155,312		(2,308	)		404,333		(90,380	)		559,645		(92,688	)
Corporate bonds		18,386		(30	)		6,805		(250	)		25,191		(280	)
Mortgage-backed securities		74,431		(958	)		427,583		(82,362	)		502,014		(83,320	)
Collateralized mortgage obligations		56,177		(1,184	)		69,827		(5,359	)		126,004		(6,543	)
Small Business Administration		0		0			1,880		(129	)		1,880		(129	)
Total	$	305,465	$	(4,491	)	$	1,003,261	$	(188,320	)	$	1,308,726	$	(192,811	)

	Less than 12 Months					12 Months or Longer					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(In Thousands of Dollars)	Value		Loss			Value		Loss			Value		Loss
December 31, 2025

U.S. Treasury and U.S. government sponsored entities	$	100	$	0		$	93,211	$	(9,487	)	$	93,311	$	(9,487	)
State and political subdivisions		6,302		(1,360	)		432,053		(86,811	)		438,355		(88,171	)
Corporate bonds		2,962		(44	)		6,293		(245	)		9,255		(289	)
Mortgage-backed securities		48,965		(313	)		437,859		(82,660	)		486,824		(82,973	)
Collateralized mortgage obligations		50,887		(621	)		69,006		(5,118	)		119,893		(5,739	)
Small Business Administration		0		0			2,070		(140	)		2,070		(140	)
Total	$	109,216	$	(2,338	)	$	1,040,492	$	(184,461	)	$	1,149,708	$	(186,799	)

As of March 31, 2026, the Company’s security portfolio consisted of 1,068 securities, 913 of which were in an unrealized loss position. The treasury, agency, mortgage-backed securities, collateralized mortgage obligations and small business administration securities that the Company owns are all issued by government sponsored entities and therefore contain no potential for credit loss. The Company does not consider any of its available-for-sale securities with unrealized losses to be attributable to credit-related factors, as the unrealized losses have occurred as a result of changes in noncredit related factors such as changes in interest rates, market spreads and market conditions subsequent to purchase, not credit deterioration. The vast majority of the Company's state and political subdivisions holdings are of high credit quality and are rated AA or higher. In addition, management has both the ability and intent to hold the securities for a period of time sufficient to allow for the recovery in fair value. As of March 31, 2026, the Company has not recorded an allowance for credit losses on available for sale (“AFS”) securities.

At December 31, 2025, the Company’s security portfolio consisted of 899 securities, 716 of which were in an unrealized loss position. The treasury, agency, mortgage-backed securities, collateralized mortgage obligations and small business administration securities that the Company owns are all issued by government sponsored entities and therefore contain no potential for credit loss. At December 31, 2025, the Company did not consider any of its available-for-sale securities with unrealized losses to be attributable to credit-related factors, as the unrealized losses have occurred as a result of changes in noncredit related factors such as changes in interest rates, market spreads and market conditions subsequent to purchase, not credit deterioration. The vast majority of the Company's state and political subdivisions holdings are of high credit quality and are rated AA or higher. In addition, management had both the ability and intent to hold the securities for a period of time sufficient to allow for the recovery in fair value. At December 31, 2025, the Company had not recorded an allowance for credit losses on AFS securities.

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Equity Securities

The Company also holds equity securities which include $16.2 million in Small Business Investment Company (“SBIC”) partnership investments as well as $876,000 in local and regional bank holdings and other miscellaneous equity funds at March 31, 2026. At December 31, 2025, the Company held $15.5 million in SBIC investments and $370,000 in local and regional bank holdings and other miscellaneous equity funds. These investments are held at modified cost and any changes in the modified costs are recognized in income in both 2026 and 2025.

Loans:

Loan balances were as follows:

(In Thousands of Dollars)	*March 31, 2026*			*December 31, 2025*
Commercial real estate
Owner occupied	$	626,711		$	393,061
Non-owner occupied		1,047,722			710,468
Farmland		231,601			211,370
Other		403,988			294,587
Commercial
Commercial and industrial		591,409			340,224
Agricultural		52,414			54,195
Residential real estate
1-4 family residential		1,219,766			850,300
Home equity lines of credit		349,656			181,544
Consumer
Indirect		233,576			231,242
Direct		21,539			16,483
Other		10,020			10,070
Total loans	$	4,788,402		$	3,293,544
Net deferred loan costs		11,662			11,169
Allowance for credit losses		(54,684	)		(36,811	)
Net loans	$	4,745,380		$	3,267,902

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Allowance for credit loss activity

The following tables present the activity in the allowance for credit losses by portfolio segment for the three month periods ended March 31, 2026 and 2025:

Three Months Ended March 31, 2026

	Commercial						Residential
(In Thousands of Dollars)	Real Estate			Commercial			Real Estate			Consumer			Total
Allowance for credit losses
Beginning balance	$	20,064		$	4,536		$	7,241		$	4,970		$	36,811
(Credit) Provision for credit losses		(1,771	)		329			13			416			(1,013	)
Initial allowance on loans purchased with credit deterioration		3,380			600			15			0			3,995
Initial allowance on purchased seasoned loans		8,377			2,746			4,102			110			15,335
Loans charged off		(1	)		(291	)		(83	)		(354	)		(729	)
Recoveries		0			121			43			121			285
Total ending allowance balance	$	30,049		$	8,041		$	11,331		$	5,263		$	54,684

Three Months Ended March 31, 2025

	Commercial						Residential
(In Thousands of Dollars)	Real Estate			Commercial			Real Estate			Consumer			Total
Allowance for credit losses
Beginning balance	$	19,259		$	4,628		$	7,271		$	4,705		$	35,863
Provision (Credit) for credit losses		263			(125	)		(234	)		118			22
Loans charged off		(44	)		(313	)		(19	)		(322	)		(698	)
Recoveries		2			193			47			120			362
Total ending allowance balance	$	19,480		$	4,383		$	7,065		$	4,621		$	35,549

The cumulative loss rate used as the basis for the estimate of credit losses is comprised of the Company's historical loss experience from December 31, 2011 to March 31, 2026. As of March 31, 2026, the Company expects that the markets in which it operates will experience minimal changes to economic conditions, stable trend in unemployment rate, and an increased trend of delinquencies. Management adjusted historical loss experience for these expectations. No reversion adjustments were necessary, as the starting point for the Company's estimate was a cumulative loss rate covering the expected contractual term of the portfolio. While there are many factors that go into the calculation of the allowance for credit losses, the change in the balances from March 31, 2025 to March 31, 2026 is largely attributed to the Middlefield Merger.

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The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of March 31, 2026 and December 31, 2025:

	Nonaccrual with		Nonaccrual with		Loans past due
	no allowance		an allowance		over 89 days
(In Thousands of Dollars)	for credit loss		for credit loss		still accruing
March 31, 2026
Commercial real estate
Owner occupied	$	4,989	$	2,818	$	0
Non-owner occupied		6,773		16,680		0
Farmland		0		1,879		0
Other		1,576		0		0
Commercial
Commercial and industrial		8,074		9,521		0
Agricultural		0		161		0
Residential real estate
1-4 family residential		1,878		3,068		268
Home equity lines of credit		506		1,004		0
Consumer
Indirect		32		526		0
Direct		0		4		0
Other		97		0		0
Total loans	$	23,925	$	35,661	$	268

	Nonaccrual with		Nonaccrual with		Loans past due
	no allowance		an allowance		over 89 days
(In Thousands of Dollars)	for credit loss		for credit loss		still accruing
December 31, 2025
Commercial real estate
Owner occupied	$	1,346	$	207	$	0
Non-owner occupied		2,408		10,776		0
Farmland		0		1,917		0
Other		1,093		0		0
Commercial
Commercial and industrial		0		2,778		82
Agricultural		0		159		0
Residential real estate
1-4 family residential		1,095		2,329		271
Home equity lines of credit		424		689		0
Consumer
Indirect		61		462		0
Direct		0		21		0
Other		97		0		0
Total loans	$	6,524	$	19,338	$	353

There were no loans that were held for sale and in nonaccrual status for the periods ending March 31, 2026 and December 31, 2025.

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The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2026 and December 31, 2025:

(In Thousands of Dollars)	Real Estate		Business Assets		Vehicles		Cash
March 31, 2026
Commercial real estate
Owner occupied	$	7,518	$	0	$	0	$	0
Non-owner occupied		35,322		0		0		0
Farmland		1,839		0		0		0
Other		1,576		0		0		0
Commercial
Commercial and industrial		0		16,812		0		0
Agricultural		0		8		0		0
Residential real estate
1-4 family residential		3,031		0		0		0
Home equity lines of credit		912		0		0		0
Consumer
Indirect		0		0		72		0
Direct		0		0		2		0
Other		97		0		0		0
Total loans	$	50,295	$	16,820	$	74	$	0

(In Thousands of Dollars)	Real Estate		Business Assets		Vehicles		Cash
December 31, 2025
Commercial real estate
Owner occupied	$	1,346	$	0	$	0	$	0
Non-owner occupied		24,235		0		0		0
Farmland		1,872		0		0		0
Other		1,093		0		0		0
Commercial
Commercial and industrial		0		2,352		0		0
Agricultural		0		0		0		0
Residential real estate
1-4 family residential		2,411		0		0		0
Home equity lines of credit		944		0		0		0
Consumer
Indirect		0		0		102		0
Direct		0		0		4		0
Other		97		0		0		0
Total loans	$	31,998	$	2,352	$	106	$	0

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The following tables present the aging of the amortized cost basis in past due loans as of March 31, 2026 and December 31, 2025 by class of loans.

					90 Days
					or More
	30-59 Days		60-89 Days		Past Due		Total		Loans Not
(In Thousands of Dollars)	Past Due		Past Due		and Nonaccrual		Past Due		Past Due		Total
March 31, 2026
Commercial real estate
Owner occupied	$	376	$	0	$	7,807	$	8,183	$	618,356	$	626,539
Non-owner occupied		106		0		23,453		23,559		1,023,809		1,047,368
Farmland		112		160		1,879		2,151		229,304		231,455
Other		990		0		1,576		2,566		400,802		403,368
Commercial
Commercial and industrial		641		390		17,595		18,626		574,331		592,957
Agricultural		239		25		161		425		52,879		53,304
Residential real estate
1-4 family residential		8,634		59		5,214		13,907		1,206,809		1,220,716
Home equity lines of credit		695		227		1,510		2,432		347,486		349,918
Consumer
Indirect		1,372		513		558		2,443		240,360		242,803
Direct		99		30		4		133		21,479		21,612
Other		32		0		97		129		9,895		10,024
Total loans	$	13,296	$	1,404	$	59,854	$	74,554	$	4,725,510	$	4,800,064

					90 Days
					or More
	30-59 Days		60-89 Days		Past Due		Total		Loans Not
(In Thousands of Dollars)	Past Due		Past Due		and Nonaccrual		Past Due		Past Due		Total
December 31, 2025
Commercial real estate
Owner occupied	$	419	$	1,018	$	1,553	$	2,990	$	389,881	$	392,871
Non-owner occupied		8		0		13,184		13,192		696,884		710,076
Farmland		116		163		1,917		2,196		209,035		211,231
Other		0		0		1,093		1,093		292,915		294,008
Commercial
Commercial and industrial		1,064		174		2,860		4,098		337,639		341,737
Agricultural		235		30		159		424		54,665		55,089
Residential real estate
1-4 family residential		9,848		1,122		3,695		14,665		836,515		851,180
Home equity lines of credit		75		54		1,113		1,242		180,544		181,786
Consumer
Indirect		2,090		470		523		3,083		237,027		240,110
Direct		37		7		21		65		16,486		16,551
Other		17		0		97		114		9,960		10,074
Total loans	$	13,909	$	3,038	$	26,215	$	43,162	$	3,261,551	$	3,304,713

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Loan Restructurings

The Company evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows.

Any restructuring of a loan in which the borrower has experienced financial difficulty and the terms of the loan are more favorable than would generally be considered for borrowers with the same credit characteristics would be individually evaluated. Otherwise, the restructured loan remains in the appropriate segment in the ACL model.

The following table presents the amortized cost basis of loans that were both experiencing financial difficulty and modified during the three months ended March 31, 2026 and March 31, 2025, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:

Three Months Ended March 31, 2026	Amortized Cost
(In Thousands of Dollars)	Payment Deferral		Term Extension		Interest Rate Reduction		Combination Payment Deferral and Interest Rate Reduction		Total		% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied	$	4,321	$	0	$	0	$	0	$	4,321		0.41	%
Residential real estate
1-4 family residential		0		0		0		38		38		0.00	%
Total modifications to borrowers experiencing financial difficulty	$	4,321	$	0	$	0	$	38	$	4,359		0.09	%

Three Months Ended March 31, 2025	Amortized Cost
(In Thousands of Dollars)	Payment Deferral		Term Extension		Interest Rate Reduction		Combination Payment Deferral and Interest Rate Reduction		Total		% of Total Class of Financing Receivable
Commercial
Commercial and industrial	$	124	$	0	$	0	$	0	$	124		0.04	%
Residential real estate
Home equity lines of credit		0		15		0		0		15		0.01	%
Total modifications to borrowers experiencing financial difficulty	$	124	$	15	$	0	$	0	$	139		0.00	%

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The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three months ended March 31, 2026 and March 31, 2025:

Payment Deferral

Interest Rate Reduction

Term Extension

Weighted-Average

Weighted-Average Contractual Interest Rate

Weighted-Average Years

Principal Deferred

From

Added to the Life

Three Months Ended March 31, 2026

Commercial real estate

Non-owner occupied

Residential real estate

1-4 family residential

6.75

3.00

Payment Deferral

Interest Rate Reduction

Term Extension

Weighted-Average

Weighted-Average Contractual Interest Rate

Weighted-Average Years

Principal Deferred

From

Added to the Life

Three Months Ended March 31, 2025

Commercial

Commercial and industrial

112

Residential real estate

Home Equity Lines of Credit

0.00

The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the three months ended March 31, 2026 and March 31, 2025:

Three Months Ended March 31, 2026	Payment status (Amortized cost Basis)
			30-89		90+
(In Thousands of Dollars)	Current		Days past due		Days past due
Accrual restructured loans
Commercial real estate
Non-owner occupied	$	0	$	0	$	0
Residential real estate
1-4 family residential		0		0		0
Total accruing restructured loans	$	0	$	0	$	0

Nonaccrual restructured loans
Commercial real estate
Non-owner occupied		4,321		0		0
Residential real estate
1-4 family residential		38		0		0
Total nonaccrual restructured loans	$	4,359	$	0	$	0
Total restructured loans	$	4,359	$	0	$	0

Three Months Ended March 31, 2025	Payment status (Amortized cost Basis)
			30-89		90+
(In Thousands of Dollars)	Current		Days past due		Days past due
Accrual restructured loans
Commercial real estate
Non-owner occupied	$	0	$	0	$	0
Residential real estate
Home equity lines of credit		15		0		0
Total accruing restructured loans	$	15	$	0	$	0

Nonaccrual restructured loans
Commercial		0		0		124
Commercial and industrial
Total nonaccrual restructured loans	$	0	$	0	$	124
Total restructured loans	$	15	$	0	$	124

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As of March 31, 2026, the Company had no commitments to lend any additional funds on restructured loans.

The following table presents the amortized cost basis of loans that had a payment default during the three months ended March 31, 2026 and March 31, 2025, and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. For purposes of this disclosure a default occurs when within 12 months of the original modification, a loan is 30 days contractually past due under the modified terms:

Three Months Ended March 31, 2026	Amortized Cost
							Combination
							Term Extension
	Payment		Term		Interest Rate		and Interest Rate
(In Thousands of Dollars)	Deferral		Extension		Reduction		Reduction
Residential real estate
1-4 family residential	$	102	$	0	$	0	$	0
Total modifications to borrowers experiencing financial difficulty	$	102	$	0	$	0	$	0

Three Months Ended March 31, 2025	Amortized Cost
							Combination
							Term Extension
	Payment		Term		Interest Rate		and Interest Rate
(In Thousands of Dollars)	Deferral		Extension		Reduction		Reduction
Commercial
Commercial and industrial	$	124	$	0	$	0	$	0
Residential real estate
1-4 family residential		0		0		0		0
Home equity lines of credit		0		0		0		19
Total modifications to borrowers experiencing financial difficulty	$	124	$	0	$	0	$	19

Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance of the credit losses is adjusted by the same amount.

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Credit Quality Indicators

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company establishes a risk rating at origination for all commercial loan and commercial real estate relationships. For relationships over $3 million, management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt and affirm their risk ratings. The Company uses the following definitions for risk ratings:

Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Substandard loans are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.

The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses. For residential, consumer indirect and direct loan classes, the Company evaluates credit quality based on the aging status of the loan and by payment activity. Nonperforming loans are loans past due 90 days and still accruing interest and nonaccrual loans.

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The following table presents total loans by risk categories and year of origination:

	Term Loans Amortized Cost Basis by Origination Year
(In Thousands of Dollars)													*Revolving*
As of March 31, 2026	*2026*		*2025*		*2024*		*2023*		*2022*		*Prior*		*Loans*		*Total*
Commercial real estate - Owner occupied:
Risk Rating
Pass	$	6,435	$	97,972	$	93,041	$	75,052	$	69,005	$	259,001	$	6,180	$	606,686
Special mention		0		0		1,554		4,670		363		1,276		0		7,863
Substandard		0		0		0		4,989		4,840		2,161		0		11,990
Total commercial real estate - Owner occupied loans	$	6,435	$	97,972	$	94,595	$	84,711	$	74,208	$	262,438	$	6,180	$	626,539

Commercial real estate - Owner Occupied: Current period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	1	$	0	$	1

Commercial real estate - Non-owner occupied:
Risk Rating
Pass	$	14,550	$	91,541	$	104,325	$	97,891	$	193,371	$	467,941	$	22,322	$	991,941
Special mention		0		0		0		0		3,112		3,893		290		7,295
Substandard		0		0		4,146		0		0		42,121		0		46,267
Doubtful		0		0		0		0		1,865		0		0		1,865
Total commercial real estate - Non-owner occupied loans	$	14,550	$	91,541	$	108,471	$	97,891	$	198,348	$	513,955	$	22,612	$	1,047,368

Commercial real estate - Non-owner occupied: Current period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0

Commercial real estate - Farmland:
Risk Rating
Pass	$	6,968	$	22,635	$	22,991	$	19,083	$	36,266	$	113,859	$	7,177	$	228,979
Special mention		0		0		0		0		0		0		0		0
Substandard		0		0		0		1,839		0		637		0		2,476
Total commercial real estate - Farmland loans	$	6,968	$	22,635	$	22,991	$	20,922	$	36,266	$	114,496	$	7,177	$	231,455

Commercial real estate - Farmland: Current period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0

Commercial real estate - Other:
Risk Rating
Pass	$	5,707	$	68,403	$	64,518	$	103,518	$	52,205	$	68,358	$	21,762	$	384,471
Special mention		0		0		0		9,306		0		165		0		9,471
Substandard		0		2,953		0		1,465		3,499		563		946		9,426
Total commercial real estate - Other loans	$	5,707	$	71,356	$	64,518	$	114,289	$	55,704	$	69,086	$	22,708	$	403,368

Commercial real estate - Other: Current period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0

Table of Contents

	Term Loans Amortized Cost Basis by Origination Year (Continued)
(In Thousands of Dollars)													*Revolving*
As of March 31, 2026	*2026*		*2025*		*2024*		*2023*		*2022*		*Prior*		*Loans*		*Total*
Commercial - Commercial and industrial:
Risk Rating
Pass	$	21,865	$	107,794	$	99,324	$	73,119	$	50,748	$	46,938	$	164,156	$	563,944
Special mention		0		0		0		0		2,026		330		4,591		6,947
Substandard		0		970		5,828		3,694		7,057		2,706		1,811		22,066
Total commercial - Commercial and industrial loans	$	21,865	$	108,764	$	105,152	$	76,813	$	59,831	$	49,974	$	170,558	$	592,957

Commercial - Commercial and industrial: Current period gross write-offs	$	0	$	10	$	6	$	31	$	86	$	158	$	0	$	291

Commercial - Agricultural:
Risk Rating
Pass	$	1,993	$	11,287	$	6,205	$	7,187	$	7,376	$	3,200	$	15,895	$	53,143
Special mention		0		0		0		0		0		0		0		0

FARMERS NATIONAL BANC CORP /OH/ 10-Q