FMNB / Farmers National Banc Corp. - SEC-Einreichungen, Jahresbericht, Proxy Statement

CONSOLIDATED BALANCE SHEET (Dollar amounts in thousands, except share data)

Exhibit 99.2 MIDDLEFIELD BANC CORP. CONSOLIDATED BALANCE SHEET (Dollar amounts in thousands, except share data) (Unaudited) September 30, December 31, 2025 2024 ASSETS Cash and due from banks $ 81,372 $ 46,037 Federal funds sold 22,333 9,755 Cash and cash equivalents 103,705 55,792 Investment securities available for sale, at fair value 155,855 165,802 Other investments 1,131 855 Loans held for sa

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.3 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information is based on the historical financial statements of Farmers and Middlefield, and has been prepared to illustrate the financial effect of the Merger. The following unaudited pro forma condensed combined financial information combines the historical cons

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 99.1 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Stockholders and the Board of Directors of Middlefield Banc Corp. Opinion on the Financial Statements We have audited the accompanying consolidated balance sheets of Middlefield Banc Corp. and subsidiaries (the “Company”) as of December 31, 2024 and 2023; the related consolidated statement of income, comprehensive income,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 2, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

LTIP Opportunity Percentage

Exhibit 10.2 Notice of Grant of Restricted Stock Award, Performance-based Equity Award, and Performance-based Cash Award Name Street Address City, State Zip Code Subject to the terms and conditions of the Farmers National Banc Corp. 2022 Equity Incentive Plan and the Farmers National Banc Corp. Long-Term Incentive Plan (collectively, the “Plans”), and the accompanying Restricted Stock Award Agreem

FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED EQUITY AWARD AGREEMENT

EXHIBIT 10.3 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED EQUITY AWARD AGREEMENT (2026) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Equity LTI Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

As filed with the Securities and Exchange Commission on May 7, 2026 Registration No.

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 FARMERS NATIONAL BANC CORP /OH/ Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Shares, without par value Other 1,000,000 $ 14.

Limited Power of Attorney Registration Statement on Form S-8

Exhibit 24.1 Limited Power of Attorney Registration Statement on Form S-8 KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned directors/officers of Farmers National Banc Corp., an Ohio corporation (“Farmers”), which is about to file with the Securities and Exchange Commission (the “SEC”), Washington, D.C., under the provisions of the Securities Act of 1933, as amended, a Registration Stat

FARMERS NATIONAL BANC CORP. RESTRICTED STOCK AWARD AGREEMENT

EXHIBIT 10.4 FARMERS NATIONAL BANC CORP. RESTRICTED STOCK AWARD AGREEMENT (2026) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this Award Agreement

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

Table of Contents 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 or ☐ 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 na

FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED CASH AWARD AGREEMENT

EXHIBIT 10.1 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED CASH AWARD AGREEMENT (2026) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. Long-Term Incentive Plan (the “Cash LTI Plan”), as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2026 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of i

FARMERS NATIONAL BANC CORP. ANNOUNCES RESULTS FOR FIRST QUARTER OF 2026

Exhibit 99.1 April 22, 2026 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES RESULTS FOR FIRST QUARTER OF 2026 ● 173 consecutive quarters of profitability ● Closed the acquisition of Middlefield Banc Corp. on March 2, 2026 ●

INVESTOR PRESENTATION, DATED APRIL 22, 2026

Exhibit 99.2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 16, 2026 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 16, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

FARMERS NATIONAL BANC CORP. 2026 EQUITY INCENTIVE PLAN

Exhibit 10.1 FARMERS NATIONAL BANC CORP. 2026 EQUITY INCENTIVE PLAN The purpose of the Plan is to promote the Company’s long-term financial success and increase shareholder value by motivating performance through incentive compensation. The Plan also is intended to encourage Participants to acquire ownership interests in the Company, attract and retain talented employees and directors and enable P

ARS

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Farmers National Bank Announces Appointment of Chief Banking Officer

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace SEVP, Chief Retail and Marketing Officer 330.702.8427 [email protected] Farmers National Bank Announces Appointment of Chief Banking Officer Canfield, Ohio, March 17, 2026 – Farmers National Banc Corp (NASDAQ: FMNB) announced today the hiring of Todd J. Simko as Senior Executive Vice President, Chief Banking Officer. Simko bring

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 17, 2026 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 17, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒        Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission

POWER OF ATTORNEY

Exhibit 24 POWER OF ATTORNEY Each director and/or officer of Farmers National Banc Corp.

CHANGE IN CONTROL AGREEMENT

CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (this “Agreement”) is made by and between Farmers National Banc Corp.

Direct and Indirect Subsidiaries of Farmers National Banc Corp.

Exhibit 21 Direct and Indirect Subsidiaries of Farmers National Banc Corp. Farmers National Banc Corp. - The Farmers National Bank of Canfield - Farmers National Insurance LLC - Farmers of Canfield Investment Co. - Farmers Trust Company - National Associates, Inc. - Farmers National Captive Inc.

Director Compensation

Exhibit 10.18 Director Compensation Each non-employee director of the Corporation shall receive for calendar year 2026 an annual retainer fee of $85,000, payable $62,500 in cash and $22,500 in restricted stock units to be awarded on the day of the annual meeting of shareholders subject to vesting on the one-year anniversary of the grant date. Non-employee directors with significant additional duti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-352

Farmers National Banc Corp. Completes Merger with Middlefield Banc Corp, Adds Two New Board Members

FOR IMMEDIATE RELEASE Contact: Amber Wallace Senior Executive Vice President, Chief Retail and Marketing Officer 330-720-6441 awallace@farmersbankgroup.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 2, 2026 Farmers National Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 2, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

-12-31 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Emp

FARMERS NATIONAL BANC CORP. AMENDMENT TO ARTICLES OF INCORPORATION

Exhibit 3.1 FARMERS NATIONAL BANC CORP. AMENDMENT TO ARTICLES OF INCORPORATION Article IV of the Articles of Incorporation of Farmers National Banc Corp. is amended to read in its entirety as follows: The aggregate number of common shares which the corporation shall have the authority to issue is Seventy-Five Million (75,000,000) shares, each without par value. The total number of authorized and o

Farmers National Banc Corp. and Middlefield Banc Corp. Announce Shareholder Approvals for Merger

Exhibit 99.1 Farmers National Banc Corp. and Middlefield Banc Corp. Announce Shareholder Approvals for Merger CANFIELD, Ohio & MIDDLEFIELD, Ohio – February 10, 2026 – Farmers National Banc Corp. (“Farmers”) (NASDAQ: FMNB), the holding company for The Farmers National Bank of Canfield, and Middlefield Banc Corp. (“Middlefield”) (NASDAQ: MBCN), the holding company for The Middlefield Banking Company

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 5, 2026 Farmers National

425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 5, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 5, 2026 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 5, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

Farmers National Banc Corp. and Middlefield Banc Corp. Announce Regulatory Approvals for Merger

EX-99.1 Exhibit 99.1 Farmers National Banc Corp. and Middlefield Banc Corp. Announce Regulatory Approvals for Merger CANFIELD, Ohio & MIDDLEFIELD, Ohio – February 5, 2026 – Farmers National Banc Corp. (“Farmers”) (NASDAQ: FMNB), the holding company for The Farmers National Bank of Canfield (“Farmers National Bank”), and Middlefield Banc Corp. (“Middlefield”) (NASDAQ: MBCN), the holding company for

Independent Proxy Advisory Firm ISS Recommends Shareholders Vote “FOR” Farmers National Banc Corp. Proposed Merger with Middlefield Banc Corp. Recommendation Highlights Strategic Benefits and Value Creation of Merger The Board of Directors Urges Shar

425 Filed by Farmers National Banc Corp. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Farmers National Banc Corp. Commission File: 333-291742 Date: January 29, 2026 Independent Proxy Advisory Firm ISS Recommends Shareholders Vote “FOR” Farmers National Banc Corp. Proposed Merger with Middle

INVESTOR PRESENTATION, DATED JANUARY 28, 2026

Exhibit 99.2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2026 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR FOURTH QUARTER OF 2025

January 28, 2026 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR FOURTH QUARTER OF 2025 ● 172 consecutive quarters of profitability ● Net interest margin increased to 3.05% in the fourth quarter of 2025 from 3.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 13, 2026 Farmers National

425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 13, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commi

Filed by Farmers National Banc Corp.

425 Filed by Farmers National Banc Corp. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Farmers National Banc Corp. Commission File: 333-291742 Date: January 13, 2026 As previously disclosed, on October 22, 2025, Farmers National Banc Corp. (“Farmers”) and Middlefield Banc Corp, an Ohio corpo

Farmers National Banc Corp. Reminds Shareholders to Vote on Proposed Merger with Middlefield Banc Corp. The Board of Directors Urges Shareholders to Vote by February 9, 2026, at 11:59 p.m., Eastern Time

EX-99.1 Exhibit 99.1 Farmers National Banc Corp. Reminds Shareholders to Vote on Proposed Merger with Middlefield Banc Corp. The Board of Directors Urges Shareholders to Vote by February 9, 2026, at 11:59 p.m., Eastern Time CANFIELD, Ohio– January 13, 2026 — Farmers National Banc Corp. (“Farmers”) (NASDAQ: FMNB), the holding company for The Farmers National Bank of Canfield (“Farmers National Bank

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 13, 2026 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 13, 2026 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

Filed by Farmers National Banc Corp.

425 Filed by Farmers National Banc Corp. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Farmers National Banc Corp. Commission File: 333-291742 Date: January 6, 2026 It is imperative forALL shareholderstoVOTEyourshares. Voting deadline is February 9, 2026 at 11:59pm, EST Your voting supporton

MERGER PROPOSAL — YOUR VOTE IS VERY IMPORTANT

424B3 Table of Contents Filed pursuant to Rule 424(b)(3) Registration No. 333-291742 MERGER PROPOSAL — YOUR VOTE IS VERY IMPORTANT The board of directors of Farmers National Banc Corp. (“Farmers”) and the board of directors of Middlefield Banc Corp. (“Middlefield”) have agreed to a merger of the two companies (the “Merger”) under the terms and subject to the conditions of the Agreement and Plan of

q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. q

EX-99.1 Exhibit 99.1     Your vote matters - here’s how to vote! You may vote online or by phone instead of mailing this card. Online Before the meeting go to www.envisionreports.com/FMNB During the meeting go to meetnow.global/M9YPS2H or scan the QR code – login details are located in the shaded bar below. Phone Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada Using

VIA EDGAR December 11, 2025 United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, D.C. 20549 Attention: Aisha Adegbuyi Re:   Farmers National Banc Corp.     Registration Statement on Form S-4   

CORRESP VIA EDGAR December 11, 2025 United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, D.

q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. q  A  Proposals     The Board of Directors recommends a vote FOR Proposal 1 The Board of Directors recommends a vote FOR Proposal 2 For Against Abstain For Agai

EX-99.2 Exhibit 99.2       C123456789  000000000.000000 ext         000000000.000000 ext     000000000.000000 ext         000000000.000000 ext  000000000.000000 ext         000000000.000000 ext ENDORSEMENTLINE SACKPACK MR A SAMPLE DESIGNATION (IF ANY) ADD 1 ADD 2 ADD 3 ADD 4 ADD 5 ADD 6 Your vote matters – here’s how to vote! You may vote online or by phone instead of mailing this card. Online Go

As filed with the Securities and Exchange Commission on December 11, 2025

S-4/A Table of Contents As filed with the Securities and Exchange Commission on December 11, 2025 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 11, 2025 Farmers Nationa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 11, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissi

AMENDED CODE OF REGULATIONS FARMERS NATIONAL BANC CORP. (As of December 11, 2025) ARTICLE I

EX-3.1 Exhibit 3.1 AMENDED CODE OF REGULATIONS OF FARMERS NATIONAL BANC CORP. (As of December 11, 2025) ARTICLE I OFFICES SECTION 1. PRINCIPAL OFFICE. The principal office of the corporation shall be in the City of Canfield, Ohio, as may be designated from time to time by the Board of Directors. SECTION 2. OTHER OFFICES. The corporation shall also have offices at such other places without, as well

As filed with the Securities and Exchange Commission on November 24, 2025

S-4/A As filed with the Securities and Exchange Commission on November 24, 2025 Registration No.

Security Type

Calculation of Filing Fee Tables S-4 FARMERS NATIONAL BANC CORP /OH/ Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common Shares, without par value Other 21,658,000 $ 272,391,000.

November 24, 2025

EX-99.3 Exhibit 99.3 November 24, 2025 Farmers National Banc Corp. 20 South Broad Street Canfield, OH 44406 Re: Fairness Opinion Consent To whom it may concern, We hereby consent to the inclusion of our opinion letter to the board of directors of Farmers National Banc Corp. (“Farmers”) as an Annex to the Form S-4, relating to the proposed merger of Farmers with Middlefield Banc Corp. described in

As filed with the Securities and Exchange Commission on November 24, 2025

S-4 Table of Contents As filed with the Securities and Exchange Commission on November 24, 2025 Registration No.

POWER OF ATTORNEY

EX-24.1 Exhibit 24.1 POWER OF ATTORNEY Each director and/or officer of Farmers National Banc Corp. (“Farmers”) whose signature appears below hereby appoints KEVIN J. HELMICK and TROY ADAIR, and each of them, with full power of substitution and resubstitution, as attorneys or attorney to sign for the undersigned and in his or her name, place and stead, and in any and all capacities stated below, to

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

Table of Contents 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 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly period ended September 30, 2025 Commission file number 001-35296 FARMERS NATIONAL BANC CORP. (Exac

AGREEMENT AND PLAN OF MERGER by and between MIDDLEFIELD BANC CORP., FARMERS NATIONAL BANC CORP. Dated as of October 22, 2025 TABLE OF CONTENTS

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between MIDDLEFIELD BANC CORP., and FARMERS NATIONAL BANC CORP. Dated as of October 22, 2025 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1.1 The Merger 1 1.2 Effective Time 2 1.3 Effects of the Merger 2 1.4 Conversion of Shares 2 1.5 Restricted Stock and Stock Options 3 1.6 Articles of Incorporation and Code of Regulations of the Surviving Company 3

AGREEMENT AND PLAN OF MERGER by and between MIDDLEFIELD BANC CORP., FARMERS NATIONAL BANC CORP. Dated as of October 22, 2025 TABLE OF CONTENTS

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between MIDDLEFIELD BANC CORP., and FARMERS NATIONAL BANC CORP. Dated as of October 22, 2025 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1.1 The Merger 1 1.2 Effective Time 2 1.3 Effects of the Merger 2 1.4 Conversion of Shares 2 1.5 Restricted Stock and Stock Options 3 1.6 Articles of Incorporation and Code of Regulations of the Surviving Company 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

Farmers National Banc Corp. and Middlefield Banc Corp. Announce Definitive Merger Agreement

Exhibit 99.3 Farmers National Banc Corp. and Middlefield Banc Corp. Announce Definitive Merger Agreement - The merger will create the region’s premier community banking franchise with over $7 billion total assets - Unlocks meaningful growth opportunities and improves competitive positioning as a top Midwest community bank franchise - 83 branches serving Northeast and Central Ohio and Western Penns

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2025 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

INVESTOR PRESENTATION, DATED OCTOBER 22, 2025

Exhibit 99.2

INVESTOR PRESENTATION, DATED OCTOBER 22, 2025

Exhibit 99.4

INVESTOR PRESENTATION, DATED OCTOBER 22, 2025

Exhibit 99.2

Farmers National Banc Corp. and Middlefield Banc Corp. Announce Definitive Merger Agreement

Exhibit 99.3 Farmers National Banc Corp. and Middlefield Banc Corp. Announce Definitive Merger Agreement - The merger will create the region’s premier community banking franchise with over $7 billion total assets - Unlocks meaningful growth opportunities and improves competitive positioning as a top Midwest community bank franchise - 83 branches serving Northeast and Central Ohio and Western Penns

INVESTOR PRESENTATION, DATED OCTOBER 22, 2025

Exhibit 99.4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2025 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR THIRD QUARTER OF 2025

Exhibit 99.1 October 22, 2025 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR THIRD QUARTER OF 2025 ● 171 consecutive quarters of profitability ● Solid loan growth of $34.4 million for the quarter, or 4.2% annual

FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR THIRD QUARTER OF 2025

Exhibit 99.1 October 22, 2025 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR THIRD QUARTER OF 2025 ● 171 consecutive quarters of profitability ● Solid loan growth of $34.4 million for the quarter, or 4.2% annual

Form of Senior Officer Change in Control Agreement (filed herewith).

EXHIBIT 10.2 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (this “Agreement”) is made by and between Farmers National Banc Corp. (the “Company”) and (the “Executive”) effective as of the day of , 20 (the “Effective Date”). WHEREAS, the Executive is currently employed by the Company or an Affiliate; and WHEREAS, in order to induce the Executive to continue performing services for the

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

Table of Contents 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 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly period ended June 30, 2025 Commission file number 001-35296 FARMERS NATIONAL BANC CORP. (Exact nam

Form of Executive Officer Change in Control Agreement (filed herewith).

EXHIBIT 10.1 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (this “Agreement”) is made by and between Farmers National Banc Corp. (the “Company”) and (the “Executive”) effective as of the [*] day of [*], 20[*] (the “Effective Date”). WHEREAS, the Executive is currently employed by the Company or an Affiliate; and WHEREAS, in order to induce the Executive to continue performing servic

FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR SECOND QUARTER OF 2025

Exhibit 99.1 July 23, 2025 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR SECOND QUARTER OF 2025 ● 170 consecutive quarters of profitability ● Strong loan growth of $52.0 million for the quarter, or 6.4% annua

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 23, 2025 Farmers National Ba

FORM 8-K FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 23, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporat

Investor Presentation, dated July 23, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from       to       Commission file number 001-352

Farmers National Banc Corp. 2025 Form of Performance-based Cash Award under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.4 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED CASH AWARD AGREEMENT (2025) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. Long-Term Incentive Plan (the “Cash LTI Plan”), as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this A

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

Table of Contents 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 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly period ended March 31, 2025 Commission file number 001-35296 FARMERS NATIONAL BANC CORP. (Exact na

Farmers National Banc Corp. 2025 Form of Service-based Restricted Stock Award under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.3 FARMERS NATIONAL BANC CORP. RESTRICTED STOCK AWARD AGREEMENT (2025) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this Award Agreement

Farmers National Banc Corp. 2025 Form of Performance-based Equity Award under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.2 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED EQUITY AWARD AGREEMENT (2025) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Equity LTI Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in t

Farmers National Banc Corp. 2025 Form of Notice of Grant of Long-term Incentive Plan Awards under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.1 Notice of Grant of Restricted Stock Award, Performance-based Equity Award, and Performance-based Cash Award Name Street Address City, State Zip Code Subject to the terms and conditions of the 2022 Equity Incentive Plan and the Farmers National Banc Corp. Long-Term Incentive Plan (the “Plans”) and the accompanying Restricted Stock Award Agreement, Performance-based Equity Award Agreeme

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 17, 2025 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 17, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

Farmers National Bank Announces Retirement of Executive and Addition to Finance Team

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace SEVP, Chief Retail and Marketing Officer 330-720-6441 [email protected] Farmers National Bank Announces Retirement of Executive and Addition to Finance Team (April 21, 2025) (Canfield, OH) — Farmers National Bank announced today the following changes in its Accounting and Finance Group. The change is prompted by Joseph Sabat’s de

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

Exhibit 99.2 Q1 2025 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-

Regulation FD Disclosure, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 16, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR FIRST QUARTER OF 2025

Exhibit 99.1 April 16, 2025 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR FIRST QUARTER OF 2025 • 169 consecutive quarters of profitability • Opened a commercial loan production office in Columbus at the end of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒        Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-35296 Farmers Nationa

Powers of Attorney of Directors and Executive Officers (filed herewith).

Exhibit 24 POWER OF ATTORNEY Each director and/or officer of Farmers National Banc Corp.

Subsidiaries of Farmers (filed herewith).

Exhibit 21 Direct and Indirect Subsidiaries of Farmers National Banc Corp. Farmers National Banc Corp. - The Farmers National Bank of Canfield - Farmers National Insurance LLC - Farmers of Canfield Investment Co. - Farmers Trust Company - National Associates, Inc. - Farmers National Captive Inc.

Nonemployee Director Compensation (filed herewith).

Exhibit 10.18 Director Compensation Each non-employee director of the Corporation shall receive for calendar year 2025 an annual retainer fee of $85,000, payable $62,500 in cash and $22,500 in restricted stock units to be awarded on the day of the annual meeting of shareholders subject to vesting on the one-year anniversary of the grant date. Non-employee directors with significant additional duti

Farmers National Banc Corp. Insider Trading Policy (filed herewith).

Exhibit 19.1 FARMERS NATIONAL BANC CORP. INSIDER TRADING POLICY Background and Purpose The Board of Directors (the “Board”) has adopted this Insider Trading Policy (this “Policy”) for the directors, officers and employees of Farmers National Banc Corp. and its affiliates (collectively, “Farmers” or the “Company”) with respect to transactions involving Farmers’ common shares, no par value (“Shares”

Farmers National Banc Corp. Code of Business Conduct and Ethics (filed herewith).

Exhibit 14.1 CORPORATE POLICY Policy Title: Code of Business Conduct and Ethics Policy Number: FNB-HR-POL-101 Functional Area/Department: Human Resources Date Issued: Owner: Chief Human Resources Officer Approver: Bank Board / Board of Directors Last Updated (Current Update): 03/11/2024 Review Frequency: Annual Table of Contents I. Policy Overview 2 II. Scope and Coverage 2 IV. Policy Governance 2

Policy relating to recovery of erroneously awarded compensation. (filed herewith).

Exhibit 97.1 CLAWBACK POLICY as Amended and Restated September 26, 2023 1. Purpose. The purpose of this Policy is to describe the circumstances in which Executive Officers will be required to repay or return Erroneously Awarded Compensation to members of the Company Group. Each Executive Officer shall be required to sign and return to the Company the Acknowledgement Form attached hereto as Exhibit

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 25, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer o

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

Exhibit 99.2 Q4 2024 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-

FARMERS NATIONAL BANC CORP. REPORTS SOLID EARNINGS AND IMPROVING MARGIN FOR THE FOURTH QUARTER OF 2024

Exhibit 99.1 January 29, 2025 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS SOLID EARNINGS AND IMPROVING MARGIN FOR THE FOURTH QUARTER OF 2024 • 168 consecutive quarters of profitability • Net interest margin improved from

Regulation FD Disclosure, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 29, 2025 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

Farmers National Banc Corp. Third Amended and Restated Executive Separation Policy, as amended (filed herewith).

Exhibit 10.1 Farmers National Banc Corp. Third Amended and Restated Executive Separation Policy As amended: June 25, 2024 1. Purpose Farmers National Banc Corp. (the “Company”) seeks to attract and retain the most qualified and capable professionals to serve in key executive positions to maximize the value of the Company for the benefit of the Company’s stockholders. To achieve this goal, the Comp

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 For the Quarterly period ended September 30, 2024 Commission file number 001-352

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 For the Quarterly period ended September 30, 2024 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

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

Exhibit 99.2 Q3 2024 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2024 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2024 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR THE THIRD QUARTER OF 2024

Exhibit 99.1 October 23, 2024 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR THE THIRD QUARTER OF 2024 • 167 consecutive quarters of profitability • Strong commercial loan growth of $35.2 million, or 7.2% annu

LETTER

August 21, 2024 Troy Adair Executive Vice President, Secretary and Chief Financial Officer Farmers National Banc Corp.

Farmers National Banc Corp. Third Amended and Restated Executive Separation Policy, as amended (filed herewith).

Exhibit 10.1 Farmers National Banc Corp. Third Amended and Restated Executive Separation Policy As amended: June 25, 2024 1. Purpose Farmers National Banc Corp. (the “Company”) seeks to attract and retain the most qualified and capable professionals to serve in key executive positions to maximize the value of the Company for the benefit of the Company’s stockholders. To achieve this goal, the Comp

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 For the Quarterly period ended June 30, 2024 Commission file number 001-35296 FA

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 For the Quarterly period ended June 30, 2024 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 orga

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 or ☐ T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from          to          Commission

20 SOUTH BROAD STREET, CANFIELD, OHIO 44406

20 SOUTH BROAD STREET, CANFIELD, OHIO 44406 July 26, 2024 Via EDGAR U.S. Securities & Exchange Commission Division of Corporation Finance Office of Finance Shannon Davis 100 F Street, N.E. Washington, D.C. 20549 Re: Farmers National Banc Corp. Form 10-K for Fiscal Year Ended December 31, 2023 Filed March 7, 2024 File No. 001-35296 Dear Ms. Davis, This letter responds to the comment letter from the

Disclosure Statement Forward-LookingStatements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations

Exhibit 99.2 Q2 2024 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-LookingStatements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-l

FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR SECOND QUARTER OF 2024

Exhibit 99.1 July 24, 2024 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS EARNINGS FOR SECOND QUARTER OF 2024 • Earnings per diluted share of $0.31 ($0.33 excluding certain items, non-GAAP) for the second quarter of 2024 • 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2024 Farmers National Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2024 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

LETTER

July 18, 2024 Troy Adair Executive Vice President, Secretary and Chief Financial Officer Farmers National Banc Corp.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from       to       Commission file number 001-352

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 For the Quarterly period ended March 31, 2024 Commission file number 001-35296 F

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 For the Quarterly period ended March 31, 2024 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 org

Farmers National Banc Corp. 2024 Form of Performance-based Equity Award under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.2 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED EQUITY AWARD AGREEMENT (2024) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Equity LTI Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in t

Farmers National Banc Corp. 2024 Form of Service-based Restricted Stock Award under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.3 FARMERS NATIONAL BANC CORP. RESTRICTED STOCK AWARD AGREEMENT (2024) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this Award Agreement

Farmers National Banc Corp. 2024 Form of Performance-based Cash Award under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.4 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED CASH AWARD AGREEMENT (2024) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. Long-Term Incentive Plan (the “Cash LTI Plan”), as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this A

Farmers National Banc Corp. 2024 Form of Notice of Grant of Long-term Incentive Plan Awards under 2022 Equity Incentive Plan (filed herewith).

Exhibit 10.1 Notice of Grant of Restricted Stock Award, Performance-based Equity Award, and Performance-based Cash Award Name Street Address City, State Zip Code Subject to the terms and conditions of the 2022 Equity Incentive Plan and the Farmers National Banc Corp. Long-Term Incentive Plan (the “Plans”) and the accompanying Restricted Stock Award Agreement, Performance-based Equity Award Agreeme

Investor Presentation, dated April 24, 2024

Exhibit 99.2

Regulation FD Disclosure, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 24, 2024 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

FARMERS NATIONAL BANC CORP. ANNOUNCES STRONG RESULTS FOR FIRST QUARTER OF 2024

Exhibit 99.1 April 24, 2024 Press Release Source:    Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES STRONG RESULTS FOR FIRST QUARTER OF 2024 • Earnings per diluted share of $0.30 ($0.34 excluding certain items, non-GAAP) for the first quarter o

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 18, 2024 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒        Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission

Subsidiaries of Farmers (filed herewith).

Exhibit 21 Direct and Indirect Subsidiaries of Farmers National Banc Corp. Farmers National Banc Corp. - The Farmers National Bank of Canfield - Farmers National Insurance LLC - Farmers of Canfield Investment Co. - Farmers Trust Company - National Associates, Inc. - Farmers National Captive Inc.

Policy relating to recovery of erroneously awarded compensation. (filed herewith).

Exhibit 97.1 CLAWBACK POLICY as Amended and Restated September 26, 2023 1. Purpose. The purpose of this Policy is to describe the circumstances in which Executive Officers will be required to repay or return Erroneously Awarded Compensation to members of the Company Group. Each Executive Officer shall be required to sign and return to the Company the Acknowledgement Form attached hereto as Exhibit

Description of Capital Stock. (filed herewith)

Exhibit 4.1 FARMERS NATIONAL BANC CORP. DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 DESCRIPTION OF CAPITAL STOCK The following summary describes the terms and provisions of the capital stock of Farmers National Banc Corp., an Ohio corporation (the “Company,” “we”, “our,” and “us”). The following summary does not purport to be complete and is q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-35296 Farmers Nationa

Nonemployee Director Compensation (filed herewith).

Exhibit 10.18 Director Compensation Each non-employee director of the Corporation shall receive for calendar year 2024 an annual retainer fee of $80,000, payable $62,500 in cash and $17,500 in restricted stock units to be awarded on the day of the annual meeting of shareholders subject to vesting on the one-year anniversary of the grant date. Non-employee directors with significant additional duti

Powers of Attorney of Directors and Executive Officers (filed herewith).

Exhibit 24 POWER OF ATTORNEY Each director and/or officer of Farmers National Banc Corp.

FMNB / Farmers National Banc Corp. / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SC 13G 1 tv0907-farmersnationalbancco.htm SCHEDULE 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: Farmers National Banc Corp Title of Class of Securities: Common Stock CUSIP Number: 309627107 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule p

FMNB / Farmers National Banc Corp. / BlackRock Inc. Passive Investment

SC 13G/A 1 us3096271073012524.txt us3096271073012524.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 4) FARMERS NATIONAL BANC CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 309627107 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appropr

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

Exhibit 99.2 Q4 2023 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 24, 2024 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 24, 2024 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

FARMERS NATIONAL BANC CORP. REPORTS SOLID RESULTS FOR FOURTH QUARTER OF 2023

Exhibit 99.1 January 24, 2024 Press Release Source:  Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS SOLID RESULTS FOR FOURTH QUARTER OF 2023 • Earnings per diluted share of $0.39 ($0.41 excluding certain items, non-GAAP) for the fourth quarter of

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 17, 2024 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

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 For the Quarterly period ended September 30, 2023 Commission file number 001-352

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 For the Quarterly period ended September 30, 2023 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

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

Exhibit 99.2 Q3 2023 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-

Regulation FD Disclosure, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 25, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR THIRD QUARTER OF 2023

Exhibit 99.1 October 25, 2023 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR THIRD QUARTER OF 2023 • Earnings per diluted share of $0.36 ($0.40 excluding certain items, non-GAAP) for the third quarter of 2023

Farmers National Banc Corp. Announces Board Additions

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace Executive Vice President, Chief Retail/Marketing Officer 330-720-6441 [email protected] Farmers National Banc Corp. Announces Board Additions (August 23, 2023) (Canfield, OH) — Farmers National Banc Corp. (NASDAQ: FMNB) (“Farmers”) is welcoming two new members to its Board of Directors, Mr. Carl D. Culp and Ms. Gina A. Richardso

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 22, 2023 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 22, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

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 For the Quarterly period ended June 30, 2023 Commission file number 001-35296 FA

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 For the Quarterly period ended June 30, 2023 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 orga

Disclosure Statement Forward-LookingStatements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations

Exhibit 99.2 Q2 2023 Investor Presentation NASDAQ: FMNB Disclosure Statement Forward-LookingStatements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-l

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 26, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

FARMERS NATIONAL BANC CORP. REPORTS RESULTS FOR SECOND QUARTER OF 2023

Exhibit 99.1 July 26, 2023 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS RESULTS FOR SECOND QUARTER OF 2023 • Earnings per diluted share of $0.40 ($0.41 excluding certain items, non-GAAP) for the second quarter of 2023 • 16

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

Form 11-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

Farmers National Banc Corp. 2023 Form of Service-based Restricted Stock Award under 2022 Equity Incentive Plan (incorporated by reference from Exhibit 10.3 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2023).

Exhibit 10.3 FARMERS NATIONAL BANC CORP. RESTRICTED STOCK AWARD AGREEMENT (2023) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this Award Agreement

Farmers National Banc Corp. 2023 Form of Performance-based Cash Award under 2022 Equity Incentive Plan (incorporated by reference from Exhibit 10.4 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2023).

Exhibit 10.4 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED CASH AWARD AGREEMENT (2023) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. Long-Term Incentive Plan (the “Cash LTI Plan”), as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in this A

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 For the Quarterly period ended March 31, 2023 Commission file number 001-35296 F

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 For the Quarterly period ended March 31, 2023 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 org

Farmers National Banc Corp. 2023 Form of Performance-based Equity Award under 2022 Equity Incentive Plan (incorporated by reference from Exhibit 10.2 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2023).

Exhibit 10.2 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED EQUITY AWARD AGREEMENT (2023) Farmers National Banc Corp. (the “Company”) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2022 Equity Incentive Plan (the “Equity LTI Plan”) as evidenced by the Notice of Grant accompanying this Award Agreement (the “Grant Notice”), and as further described in t

Farmers National Banc Corp. 2023 Form of Notice of Grant of Long-term Incentive Plan Awards under 2022 Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2023).

Exhibit 10.1 Notice of Grant of Restricted Stock Award, Performance-based Equity Award, and Performance-based Cash Award Name Address City, State Zip Subject to the terms and conditions of the 2022 Equity Incentive Plan and the Farmers National Banc Corp. Long-Term Incentive Plan (the “Plans”) and the accompanying Restricted Stock Award Agreement, Performance-based Equity Award Agreement, and Perf

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

EX-99.2 NASDAQ: FMNB Q1 2023 EARNINGS Exhibit 99.2 Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (“Farmers”). Forward-looki

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR FIRST QUARTER OF 2023

EX-99.1 Exhibit 99.1 April 26, 2023 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES EARNINGS FOR FIRST QUARTER OF 2023 • Earnings per diluted share of $0.19 ($0.44 excluding certain items, non-GAAP) for the first quarter of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 20, 2023 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 20, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

ARS

FOR O UR BANK, C US T OMER S , C OMMUNITIES AND C OL LE A G UES Creating James R. Smail Chairman of the Board through June 17, 2022 Chairman, Director and CEO J.R. Smail, Inc. Resigned from the Board effective June 17, 2022 Terry A. Moore 2,3,5 Chairman of the Board effective September 1, 2022 Former Managing Shareholder, Krugliak, Wilkins, Griffiths and Dougherty David Z. Paull 2,4,5 Vice Chairma

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the

Nonemployee Director Compensation (filed herewith).

Exhibit 10.18 Director Compensation Each non-employee director of the Corporation shall receive for calendar year 2023 an annual retainer fee of $80,000, payable $62,500 in cash and $17,500 in restricted stock units to be awarded on the day of the annual meeting of shareholders subject to vesting on the one-year anniversary of the grant date. Non-employee directors with significant additional duti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-35296 Farmers Nationa

Subsidiaries of Farmers (filed herewith).

Exhibit 21 Direct and Indirect Subsidiaries of Farmers National Banc Corp. Farmers National Banc Corp. - The Farmers National Bank of Canfield - Farmers National Insurance LLC - Farmers of Canfield Investment Co. - Farmers Trust Company - National Associates, Inc. - Farmers National Captive Inc.

Powers of Attorney of Directors and Executive Officers (filed herewith).

Exhibit 24 POWER OF ATTORNEY Each director and/or officer of Farmers National Banc Corp.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 1, 2023 Farmers National Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 1, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

Farmers National Banc Corp. Announces New 1,000,000 Share Repurchase Program

EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace EVP, Chief Retail & Marketing Officer 330-702-8427 [email protected] Farmers National Banc Corp. Announces New 1,000,000 Share Repurchase Program March 1, 2023 CANFIELD, Ohio – Farmers National Banc Corp., (NASDAQ: FMNB) Canfield, Ohio, announced today that its Board of Directors has approved a share repurchase program u

FMNB / Farmers National Banc Corp / BlackRock Inc. Passive Investment

SC 13G/A 1 us3096271073013123.txt us3096271073013123.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 3) FARMERS NATIONAL BANC CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 309627107 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropr

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 25, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

FARMERS NATIONAL BANC CORP. REPORTS RESULTS FOR FOURTH QUARTER 2022

Exhibit 99.1 January 25, 2023 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS RESULTS FOR FOURTH QUARTER 2022 • Earnings per diluted share of $0.39 ($0.42 excluding certain items, non-GAAP) for the fourth quarter of 2022 • Lo

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 1, 2023 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

Farmers National Banc Corp. Completes Merger with Emclaire Financial Corp, Adds New Board Member

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace Executive Vice President, Chief Retail and Marketing Officer 330-720-6441 [email protected] Farmers National Banc Corp. Completes Merger with Emclaire Financial Corp, Adds New Board Member CANFIELD, OHIO, January 3, 2023 ? Farmers National Banc Corp. (?Farmers? or the ?Company?) (NASDAQ: FMNB), the holding company for The Farmer

Farmers National Banc Corp. and Emclaire Financial Corp. Announce Regulatory Approvals for Merger

Exhibit 99.1 Contact: Amber Wallace Senior Vice President, Chief Retail/Marketing Officer 330-720-6441 [email protected] William C. Marsh Chairman of the Board, President and Chief Executive Officer 844-767-2311 [email protected] Farmers National Banc Corp. and Emclaire Financial Corp. Announce Regulatory Approvals for Merger CANFIELD, Ohio and EMLENTON, Pennsylvania, De

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 5, 2022 Farmers National

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 5, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 5, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

Farmers National Banc Corp. Announces Board Addition

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace Executive Vice President, Chief Retail/Marketing Officer 330-720-6441 [email protected] Farmers National Banc Corp. Announces Board Addition Canfield, Ohio, November 28, 2022 ? Farmers National Banc Corp. (NASDAQ: FMNB) (?Farmers?) welcomes a new member to its Board of Directors, Mr. Andr? Thornton, who will bring a wealth of bu

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 28, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissi

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 For the Quarterly period ended September 30, 2022 Commission file number 001-352

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 For the Quarterly period ended September 30, 2022 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

FARMERS NATIONAL BANC CORP. ANNOUNCES 2022 THIRD QUARTER RESULTS

Exhibit 99.1 October 26, 2022 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES 2022 THIRD QUARTER RESULTS ? Earnings per diluted share of $0.46 ($0.48 excluding certain items, non-GAAP) for the third quarter of 2022 ? Loan g

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

Letter from CliftonLarsonAllen LLP dated August 29, 2022

EXHIBIT 16.1 CliftonLarsonAllen LLP CLAconnect.com August 29, 2022 Securities and Exchange Commission Washington, D.C. 20549 We have read the statements made by Farmers National Banc Corp. pursuant to Item 4.01 of the Current Report on Form 8-K dated August 29, 2022, which we understand will be filed with the Securities and Exchange Commission. We agree with the statements concerning our firm in s

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 23, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 24, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction (Commission (IRS Employer of

Farmers National Banc Corp. Announces Holding Company Leadership Change

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace Executive Vice President, Chief Retail/Marketing Officer 330-720-6441 [email protected] Farmers National Banc Corp. Announces Holding Company Leadership Change Canfield, Ohio, August 24, 2022 ? Farmers National Banc Corp. (NASDAQ: FMNB) (?Farmers?) has announced that Terry A. Moore has assumed the role of Chairman of the Board,

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 For the Quarterly period ended June 30, 2022 Commission file number 001-35296 FA

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 For the Quarterly period ended June 30, 2022 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 orga

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

FARMERS NATIONAL BANC CORP. REPORTS 2022 SECOND QUARTER RESULTS

Exhibit 99.1 July 27, 2022 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. REPORTS 2022 SECOND QUARTER RESULTS ? Earnings per diluted share of $0.47 ($0.49 excluding certain items, non-GAAP) for the second quarter of 2022 ? Loan grow

Emclaire Financial Corp. Receives Shareholder Approval For Merger with Farmers National Banc Corp.

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace Executive Vice President, Chief Retail/Marketing Officer 330-720-6441 [email protected] William C. Marsh Chairman of the Board, President and Chief Executive Officer 844-767-2311 [email protected] Emclaire Financial Corp. Receives Shareholder Approval For Merger with Farmers National Banc Corp. CANFIELD, OHIO and

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 20, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35296 A. Full title of the plan a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 27, 2022 Farmers National Ba

425 1 d367751d425.htm 425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 27, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of in

Farmers National Banc Corp. and Emclaire Financial Corp. Announce Election Deadline of July 19, 2022

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Amber Wallace Executive Vice President, Chief Retail/Marketing Officer 330-720-6441 [email protected] William C. Marsh Chairman of the Board, President and Chief Executive Officer 844-767-2311 [email protected] Farmers National Banc Corp. and Emclaire Financial Corp. Announce Election Deadline of July 19, 2022 CANFIELD, OHIO, J

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 27, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

TIME IS CRITICAL. PLEASE COMPLETE AND RETURN PROMPTLY IN ACCORDANCE WITH THE ENCLOSED INSTRUCTIONS. ELECTION FORM AND LETTER OF TRANSMITTAL TO ACCOMPANY CERTIFICATES OF COMMON SHARES, $1.25 PAR VALUE, OF EMCLAIRE FINANCIAL CORP. (“EMCLAIRE”)

Exhibit 99.2 Computershare Trust Company, N.A. P.O. Box 43011 Providence Rhode Island 02940-3011 Georgeson, Information Agent 866-295-8105 MR A SAMPLE DESIGNATION (IF ANY) ADD 1 ADD 2 ADD 3 ADD 4 ADD 5 ADD 6 C 1234567890 J N T Tax ID certification on file: TOTAL SHARES 12345678901234 TIME IS CRITICAL. PLEASE COMPLETE AND RETURN PROMPTLY IN ACCORDANCE WITH THE ENCLOSED INSTRUCTIONS. ELECTION FORM A

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 21, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

425 1 d393643d425.htm 425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 21, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of in

INSTRUCTIONS (Please read carefully all of the instructions below)

Exhibit 99.3 INSTRUCTIONS (Please read carefully all of the instructions below) 1. Delivery; Election Deadline: For any election contained herein to be considered, the Election Form and Letter of Transmittal, properly completed in accordance with these instructions and signed, and any other documentation reasonably required by Farmers National Banc Corp.?s exchange agent, Computershare Trust Compa

June 21, 2022

Exhibit 99.1 June 21, 2022 Dear Emclaire Financial Corp. Shareholder: This package is being mailed to you as a holder of record of shares of common stock of Emclaire Financial Corp. (?Emclaire?) in connection with the merger of Emclaire with and into FMNB Merger Subsidiary V, LLC (?Merger Sub?), a wholly-owned subsidiary of Farmers National Banc Corp. (?Farmers?) pursuant to the terms of the Agree

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 16, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission F

MERGER PROPOSAL – YOUR VOTE IS VERY IMPORTANT

Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-264945 MERGER PROPOSAL ? YOUR VOTE IS VERY IMPORTANT Farmers National Banc Corp. (?Farmers?), FMNB Merger Subsidiary V, LLC, a newly-formed wholly-owned subsidiary of Farmers (?Merger Sub?), and Emclaire Financial Corp. (?Emclaire?), have entered into an Agreement and Plan of Merger dated as of March 23, 2022 (the ?Merger Agre

VIA EDGAR

CORRESP 1 filename1.htm VIA EDGAR June 6, 2022 United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, D.C. 20549 Attention: Susan Block Re: Farmers National Banc Corp. Registration Statement on Form S-4 Filed May 13, 2022, as amended on June 6, 2022 File No. 333-264945 Request for Acceleration of Effective Date Dear Ms. Block: Pursuant to Rule

As filed with the Securities and Exchange Commission on June 6, 2022

Table of Contents As filed with the Securities and Exchange Commission on June 6, 2022 Registration No.

Form of Proxy Card to be used by Emclaire Financial Corp. (filed herewith)

Exhibit 99.2 0 EMCLAIRE FINANCIAL CORP. PROXY SPECIAL MEETING OF SHAREHOLDERS TO BE HELD JULY 20, 2022 THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS The undersigned hereby constitutes and appoints the Board of Directors of Emclaire Financial Corp. (?Emclaire? or the ?Corporation?), or its designee, proxy of the undersigned, with full power of substitution, to vote all of the shares o

LETTER

United States securities and exchange commission logo May 20, 2022 Kevin Helmick Chief Executive Officer Farmers National Banc Corp.

As filed with the Securities and Exchange Commission on May 13, 2022

Table of Contents As filed with the Securities and Exchange Commission on May 13, 2022 Registration No.

Filing Fee Table (filed herewith)

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) Farmers National Banc Corp.

Power of Attorney (filed herewith)

Exhibit 24.1 Limited Power of Attorney Registration Statement on Form S-4 KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned directors and officers of Farmers National Banc Corp., an Ohio corporation (?Farmers?), hereby constitutes and appoints Kevin J. Helmick and A. Troy Adair, and each of them, as his or her true and lawful attorneys-in-fact and agents with full power of substitution

Consent of Raymond James & Associates, Inc. (filed herewith)

Exhibit 99.1 Consent of Raymond James & Associates, Inc. Raymond James & Associates, Inc. (?Raymond James?) consents to (i) the inclusion and description of our opinion letter dated March 23, 2022 to the Board of Directors of Emclaire Financial Corp. (the ?Company?) included as Annex B to the Proxy Statement of the Company which forms a part of the Registration Statement on Form S-4 of Farmers Nat

Disclosure Statement Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operation

Nasdaq: FMNB | Q1 2022 Investor Presentation Exhibit 99.1 Disclosure Statement Forward-Looking Statements? This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (?Farmers?). Forwa

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 11, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission Fi

Power of Attorney (filed herewith).

EX-24.1 4 d359651dex241.htm EX-24.1 Exhibit 24.1 Limited Power of Attorney Registration Statement on Form S-8 KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned directors/officers of Farmers National Banc Corp., an Ohio corporation (“Farmers”), which is about to file with the Securities and Exchange Commission (the “SEC”), Washington, D.C., under the provisions of the Securities Act of 1

As filed with the Securities and Exchange Commission on May 6, 2022

As filed with the Securities and Exchange Commission on May 6, 2022 Registration No.

Filing Fee Table (filed herewith).

EX-FILING FEES 5 d359651dexfilingfees.htm EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Farmers National Banc Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit(2) Maximum Aggregate Offering Price(2)

Exhibit 4.2

Exhibit 4.2 Description of Capital Stock of Farmers National Banc Corp. The following summary describes the terms and provisions of the capital stock of Farmers National Banc Corp., an Ohio corporation (the ?Company?). The following summary does not purport to be complete and is qualified in its entirety by reference to the Company?s Articles of Incorporation, as amended (the ?Articles?), Amended

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2021 or ☐ T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A (Amendment No. 1) (Mark One) ? Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2021 or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-3

Farmers National Banc Corp. 2022 Form of Service-based Restricted Stock Award under 2017 Equity Incentive Plan (incorporated by reference from Exhibit 10.3 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2022).

Exhibit 10.3 FARMERS NATIONAL BANC CORP. RESTRICTED STOCK AWARD AGREEMENT (2022) Farmers National Banc Corp. (the ?Company?) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2017 Equity Incentive Plan (the ?Plan?) as evidenced by the Notice of Grant accompanying this Award Agreement (the ?Grant Notice?), and as further described in this Award Agreement

Farmers National Banc Corp. 2022 Form of Notice of Grant of Long-term Incentive Plan Awards under 2017 Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2022).

Exhibit 10.1 Notice of Grant of Restricted Stock Award, Performance-based Equity Award, and Performance-based Cash Award Name Address City, State Zip Subject to the terms and conditions of the 2017 Equity Incentive Plan and the Farmers National Banc Corp. Long-Term Incentive Plan (the ?Plans?) and the accompanying Restricted Stock Award Agreement, Performance-based Equity Award Agreement, and Perf

Farmers National Banc Corp. 2022 Form of Performance-based Cash Award under 2017 Equity Incentive Plan (incorporated by reference from Exhibit 10.4 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2022).

Exhibit 10.4 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED CASH AWARD AGREEMENT (2022) Farmers National Banc Corp. (the ?Company?) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. Long-Term Incentive Plan (the ?Cash LTI Plan?), as evidenced by the Notice of Grant accompanying this Award Agreement (the ?Grant Notice?), and as further described in this A

Farmers National Banc Corp. 2022 Form of Performance-based Equity Award under 2017 Equity Incentive Plan (incorporated by reference from Exhibit 10.2 to Farmers’ Quarterly Report on Form 10-Q filed with the Commission on May 5, 2022).

Exhibit 10.2 FARMERS NATIONAL BANC CORP. PERFORMANCE-BASED EQUITY AWARD AGREEMENT (2022) Farmers National Banc Corp. (the ?Company?) hereby grants the undersigned Participant an Award pursuant to the Farmers National Banc Corp. 2017 Equity Incentive Plan (the ?Equity LTI Plan?) as evidenced by the Notice of Grant accompanying this Award Agreement (the ?Grant Notice?), and as further described in t

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 For the Quarterly period ended March 31, 2022 Commission file number 001-35296 F

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 For the Quarterly period ended March 31, 2022 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 org

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2022 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

FARMERS NATIONAL BANC CORP. ANNOUNCES 2022 FIRST QUARTER RESULTS

Exhibit 99.1 April 27, 2022 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES 2022 FIRST QUARTER RESULTS ? Earnings per diluted share of $0.47 ($0.51 excluding certain items, non-GAAP) for the first quarter of 2022 ? Complete

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

Farmers National Banc Corp. 2022 Equity Incentive Plan (incorporated by reference to Exhibit 10.1 to Farmers’ Current Report on Form 8-K filed with the Commission on April 22, 2022).

Exhibit 10.1 FARMERS NATIONAL BANC CORP. ? 2022 EQUITY INCENTIVE PLAN FARMERS NATIONAL BANC CORP. 2022 EQUITY INCENTIVE PLAN The purpose of the Plan is to promote the Company?s long-term financial success and increase shareholder value by motivating performance through incentive compensation. The Plan also is intended to encourage Participants to acquire ownership interests in the Company, attract

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 21, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

Agreement and Plan of Merger by and among Farmers National Banc Corp., Emclaire Financial Corp., and FMNB Merger Subsidiary V, LLC, dated as of March 23, 2022 (incorporated by reference from Exhibit 2.1 to the Company’s Current Report on Form 8-K filed with the Commission on March 24, 2022).

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among EMCLAIRE FINANCIAL CORP., FARMERS NATIONAL BANC CORP., and FMNB MERGER SUBSIDIARY V, LLC Dated as of March 23, 2022 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1.1 The Merger 1 1.2 Effective Time 2 1.3 Effects of the Merger 2 1.4 Conversion of Shares 2 1.5 Restricted Stock and Stock Options 5 1.6 Articles of Organization and Operating Agreement

Farmers National Banc Corp. and Emclaire Financial Corp. Announce Merger

Exhibit 99.1 Farmers National Banc Corp. and Emclaire Financial Corp. Announce Merger CANFIELD, Ohio and EMLENTON, Pennsylvania ? (BUSINESS WIRE) ? March 24, 2022 ? Farmers National Banc Corp. (?Farmers?) (NASDAQ: FMNB), the holding company for The Farmers National Bank of Canfield (?Farmers Bank?), and Emclaire Financial Corp. (?Emclaire?) (NASDAQ: EMCF), the holding company for The Farmers Natio

Forward Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality tren

Acquisition of Investor Presentation March 24, 2022 Exhibit 99.2 Forward Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the financial condition, results of operations, asset quality trends and profitability of Farmers National Banc Corp. (?Farmers?). Forward-looking stat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 23, 2022 Farmers National B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 23, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 23, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 d201066ddef14a.htm DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Stat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ? Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2021 or ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-35296 Farmers Nationa

Nonemployee Director Compensation (filed herewith).

Exhibit 10.17 Director Compensation Each non-employee director of Farmers National Banc Corp. (the ?Corporation?) shall receive for calendar year 2021 an annual retainer fee of $52,500. Directors with significant additional duties shall receive the following additional annual retainers: (i) $25,000 for the independent Chair of the Board of Directors; (ii) $20,000 for the independent Board Vice Cha

Subsidiaries of Farmers National Banc Corp. (incorporated by reference from Exhibit 21 to Farmers’ Annual Report on Form 10-K filed with the SEC on March 9, 2022).

Exhibit 21 Direct and Indirect Subsidiaries of Farmers National Banc Corp. Farmers National Banc Corp. - The Farmers National Bank of Canfield - Farmers National Insurance LLC - Farmers of Canfield Investment Co. - Farmers Trust Company - National Associates, Inc. - Farmers National Captive Inc.

Powers of Attorney of Directors and Executive Officers (filed herewith).

EX-24 5 fmnb-ex2412.htm EX-24 Exhibit 24 POWER OF ATTORNEY Each director and/or officer of Farmers National Banc Corp. (the “Corporation”) whose signature appears below hereby appoints KEVIN J. HELMICK and A. TROY ADAIR, and each of them, with full power of substitution and resubstitution, as attorneys or attorney to sign for the undersigned and in his or her name, place and stead, and in any and

FMNB / Farmers National Banc Corp / BlackRock Inc. Passive Investment

us3096271073013122.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 2) FARMERS NATIONAL BANC CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 309627107 - (CUSIP Number) December 31, 2021 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

January 28, 2022

Exhibit 99.1 January 28, 2022 Dear Fellow Shareholders, ?Enable people to envision a future that sustains the best from their past while also holding out new possibilities.? ? Ronald Heifetz, The Practice of Adaptive Leadership It is challenging to imagine the profound differences between the years 1887 and 2021 in terms of each era?s prevailing economies, technologies and cultures. So, I am espec

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 27, 2022 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissio

FARMERS NATIONAL BANC CORP. ANNOUNCES RECORD 2021 RESULTS

Exhibit 99.1 January 27, 2022 Press Release Source: Farmers National Banc Corp. Kevin J. Helmick, President and CEO 20 South Broad Street, P.O. Box 555 Canfield, OH 44406 330.533.3341 Email: [email protected] FARMERS NATIONAL BANC CORP. ANNOUNCES RECORD 2021 RESULTS ? Earnings per diluted share of $0.18 ($0.50 excluding one-time items, non-GAAP) for 4th quarter of 2021 ? Completed the acqu

SUMMARY SELECTED PRO FORMA CONDENSED COMBINED DATA

Exhibit 99.3 SUMMARY SELECTED PRO FORMA CONDENSED COMBINED DATA The following table shows selected financial information on a pro forma combined basis giving effect to the Merger (which is known as ?pro forma? information) as if the Merger had become effective as of the date presented, in the case of the balance sheet information, and at the beginning of the period presented, in the case of the in

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

EX-99.1 3 d209660dex991.htm EX-99.1 Exhibit 99.1 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Shareholders and the Board of Directors of Cortland Bancorp Opinion on the Financial Statements We have audited the accompanying consolidated balance sheets of Cortland Bancorp and subsidiaries (the “Company”) as of December 31, 2020 and 2019; the related consolidated statements of incom

CORTLAND BANCORP AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Amounts in thousands, except share data) June 30, 2021 December 31, 2020 ASSETS Cash and due from banks $ 8,839 $ 9,728 Interest-earning deposits 64,426 26,380 Total cash and

EX-99.2 4 d209660dex992.htm EX-99.2 Exhibit 99.2 CORTLAND BANCORP AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Amounts in thousands, except share data) June 30, 2021 December 31, 2020 ASSETS Cash and due from banks $ 8,839 $ 9,728 Interest-earning deposits 64,426 26,380 Total cash and cash equivalents 73,265 36,108 Investment securities available-for-sale (Note 3) 171,313 167,875 Regu

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 1, 2021 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commiss

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 17, 2021 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissi

Form of Subordinated Note Purchase Agreement by and between Farmers National Banc Corp. and the several Purchasers named therein, dated November 17, 2021 (incorporated by reference from Exhibit 10.1 to Farmers’ Current Report on Form 8-K filed with the Commission on November 17, 2021).

EX-10.1 2 d233579dex101.htm EX-10.1 Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of November 17, 2021, and is made by and among Farmers National Banc Corp., an Ohio corporation (the “Company”), and the several purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a “Purch

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 12, 2021 Farmers National Banc Corp. (Exact name of registrant as specified in its charter) Ohio 001-35296 34-1371693 (State or other jurisdiction of incorporation) (Commissi

Disclosure Statement Cautionary Note Regarding Forward-LookingStatements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the strategic vision

EX-99.2 3 d234219dex992.htm EX-99.2 Exhibit 99.2 November 2021 Disclosure Statement Cautionary Note Regarding Forward-LookingStatements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements about the strategic vision, the financial condition, results of operations, asset quality trends and profitabilit

Farmers National Banc Corp. Prices Private Placement of $75 Million of Subordinated Notes

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