Farmers National Banc Corp. reported a net income of $13.9 million, or $0.37 per diluted share, for the second quarter of 2025, an increase from $11.8 million, or $0.31 per diluted share, in the same period of 2024. The company experienced strong loan growth with an increase of $52.0 million for the quarter, or 6.4% annualized, with commercial loan balances growing by $43.6 million, or 8.8% annualized. The net interest margin improved from 2.71% in the second quarter of 2024 to 2.91% in the second quarter of 2025. The efficiency ratio also improved from 60.8% in the second quarter of 2024 to 56.7% in the same period of 2025. Noninterest income rose to $12.1 million from $9.6 million in the second quarter of 2024, driven by improvements in various fee-based lines of business. Trust fees increased to $2.6 million from $2.3 million, and insurance agency commissions rose to $1.8 million from $1.3 million. Gains on the sale of available-for-sale securities amounted to $36,000 in the second quarter of 2025, compared to a loss of $124,000 in the same quarter of 2024. Additionally, retirement plan consulting fees increased to $783,000 from $623,000, mainly due to the acquisition of Crest Retirement Advisors LLC. The company continues to focus on growing its diverse, relationship-driven banking model, with further penetration into newer markets and strong performance in annuity sales and investment commissions.