Farmers National Banc is a community bank holding company headquartered in Canfield, Ohio. Its primary subsidiary, Farmers National Bank of Canfield, offers standard commercial and retail banking products — checking and savings accounts, deposits, commercial loans, mortgages, and home equity loans — to individuals, families, and local businesses in northeastern Ohio and western Pennsylvania. Farmers operates through two segments: a Bank segment, which is the primary revenue driver, and a Trust segment through its Farmers Trust Company subsidiary, which provides estate settlement, trust administration, wealth management, and retirement consulting across five Ohio offices. Farmers Trust expanded in 2024 by acquiring the assets of Crest Retirement Advisors. In March 2026, Farmers completed a merger with Middlefield Banc Corp., expanding its Ohio footprint. Like most community banks, Farmers earns money by taking in deposits and lending at higher rates, with profitability driven by loan volume and mix, net interest margin, credit quality, and operating efficiency. Fee income from the Trust segment provides a revenue stream less sensitive to interest rates. Farmers funds its balance sheet primarily through FDIC-insured deposits and advances from the Federal Home Loan Bank of Cincinnati. Farmers sells banking services directly to customers through its branch network, competing on local relationships and personalized service rather than price or technology scale.