HIGHBuilt-inLoan_portfolio
93%
core deposits
“10-K Item 1A: 'Core deposits – savings and money market accounts, time deposits less than $250,000 and demand deposits—comprised approximately 93.0% of total deposits at December 31, 2025'”
FMNB · Concentration risk · 10-K extracted
Farmers National Banc (FMNB) concentration risks
Updated
The most significant concentration Farmers National Banc discloses is core deposits at 93%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Farmers National Banc’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM0
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
LOWBuilt-inLoan_portfolio
10.4%
commercial and industrial loans
“10-K Item 1A: 'approximately 10.4% of our loan portfolio consisted of commercial and industrial loans'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Farmers National Banc Corp's concentration profile is anchored by its funding base: core deposits — savings and money market accounts, time deposits under $250,000, and demand deposits — made up approximately 93.0% of total deposits at December 31, 2025. That is a structural, high-share characteristic of the bank's funding model, reflecting a broad, stable retail deposit base rather than reliance on a small number of large depositors. On the lending side, commercial and industrial loans represented approximately 10.4% of the loan portfolio, a comparatively low share that suggests the loan book is not narrowly tied to that single category. Together, these two disclosures point in a reassuring direction: the bank's funding is heavily weighted toward core, sticky deposits, while its lending is not concentrated in commercial and industrial credit. Neither exposure looks likely to be a swing factor for the verdict on its own; both are disclosed in the most recent 10-K.
For the engine’s reasoning on FMNB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| FMNB● | Farmers National Banc Corp. | 1 | 0 | 1 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.