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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Farmers National Bank of Canfield

Canfield, Ohio · $7.16B in assets · beside the 6 other Ohio banks between $3B and $10B

The filing

+44.6%
Loans, year over year
1st of 6, largest first
81.4%
Loans / deposits
2nd of 7
0.93%
NPA / loans
6th of 7

Farmers National Bank of Canfield is the second largest of the 7 Ohio banks between $3B and $10B, with $7.16B in assets at 30 June 2026. Loans are 81.4% of deposits, 2nd of 7 against a median of 93.6%, and equity is 11.5% of assets, 5th of 7. Loans grew +44.6% in the year, the fastest in the cohort, and deposits grew 32.5%; the cohort's median loan growth is +3.3%.

Noncurrent loans are 0.93% of the book, 6th of 7 against a median of 0.70%; 0.39% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.17% of loans, 6th of 7. Commercial real estate is 30.0% of loans, 4th of 7 against a median of 30.0%, and 198% of capital, below the 300% screen, with construction at 28% against the 100% screen. CRE has grown +53.2% over 36 months, past the guidance's 50% prong.

Return on assets is 1.15%, 6th of 7 against a median of 1.30%, on an efficiency ratio of 57.3%, 3rd of 7. Five years ago it was 1.73%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsOH banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 93.6% EB Erebor Bank N A 1.9% FN Farmers National Bank of Canfield 81.4% PB Peoples Bank 90.9% CB Civista Bank 93.6% FM Farmers & Merchants State Bank 94.2% NC National Coop Bank N A 96.3% US Union Savings Bank 100.5%
Loans, year over yearOH banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.3% FN Farmers National Bank of Canfield +44.6% NC National Coop Bank N A +8.3% PB Peoples Bank +3.3% CB Civista Bank +3.2% FM Farmers & Merchants State Bank +2.8% US Union Savings Bank -0.8%

SBA 7(a), FY2008 to FY2026

Farmers National Bank of Canfield is the 27th largest 7(a) lender into Ohio of 361, with $88M across 224 loans, 0.6% of everything approved in the state (The Huntington National Bank leads with $5.20B). 30 of its 38 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cuyahoga, OH$19M20th of 1451.0%thin
Geauga, OH$11M3rd of 426.4%quiet FY2019
Mahoning, OH$9M5th of 553.2%quiet FY2021
Summit, OH$7M24th of 1060.8%thin
Franklin, OH$7M41st of 1660.3%thin
Trumbull, OH$7M2nd of 524.6%quiet FY2021
Medina, OH$4M19th of 571.3%thin
Ashtabula, OH$4M6th of 343.8%quiet FY2019
Delaware, OH$4M25th of 880.8%thin
Stark, OH$3M21st of 760.8%quiet FY2018
Lauderdale, MS$3M8th of 294.6%quiet FY2013
Columbiana, OH$2M9th of 372.2%quiet FY2017
Lorain, OH$2M29th of 690.7%quiet FY2020
25 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing33$18M18.7%0.05%316th of 2,246
Accommodation & food services52$16M16.1%0.02%436th of 2,596
Retail trade38$14M13.9%0.02%403rd of 2,589
Professional & technical services13$9M8.7%0.03%321st of 1,955
Other services28$8M8.6%0.02%386th of 2,248
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Farmers National
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans TF The Farmers National Bank of Canf… 0.6% $88M · 224 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Farmers NationalRankCohort median
Total CRE against capital, the 300% screen198%4th of 7198%
Construction against capital, the 100% screen28%3rd of 730%
Construction and land development, share of loans4.2%4th of 74.2%
Non-owner-occupied nonfarm nonresidential, share of loans21.2%6th of 714.1%
Total CRE, the guidance definition, share of loans30.0%4th of 730.0%
CRE growth over 36 months, the third prong+53.2%6th of 6+12.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Peoples Bank$9.53B1.3%57.5%0.60%0.35%1.1%90.9%12.7%
Farmers National Bank of Canfield$7.16B1.2%57.3%0.93%0.17%1.1%81.4%11.5%
Erebor Bank N A$4.66B-2.1%212.0%0.00%0.00%0.8%1.9%12.8%
National Coop Bank N A$4.33B1.4%66.2%2.67%0.02%0.9%96.3%11.0%
Civista Bank$4.29B1.4%59.9%0.92%0.05%1.3%93.6%14.8%
Union Savings Bank$4.02B2.1%48.4%0.70%-0.01%0.8%100.5%10.2%
Farmers & Merchants State Bank$3.49B1.3%56.4%0.27%0.02%1.0%94.2%11.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Farmers NationalCohort median
20212026Change20212026Change
Loans$1.96B$4.78B+144%$2.18B$3.44B+57%
Deposits$2.79B$5.87B+110%$2.69B$3.57B+33%
NPA / loans0.71%0.93%+0.23 pts0.61%0.70%+0.09 pts
Efficiency47.8%57.3%+9.5 pts60.6%57.5%-3.1 pts
ROA1.73%1.15%-0.58 pts1.54%1.30%-0.24 pts

This read was prepared for Farmers National Bank of Canfield's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers National Bank of Canfield is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $3B to $10B
Institution www.farmersbankgroup.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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