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Stock impact report

KBRA Comments on Farmers National Banc Corp’s Merger Agreement to Acquire Middlefield Banc Corp.

Farmers National Banc Corp. (FMNB) 
Last farmers national banc corp. earnings: 4/29 08:00 am Check Earnings Report
US:NASDAQ Investor Relations: farmersbankgroup.com/investor-relations
Company Research Source: Business Wire
NEW YORK--(BUSINESS WIRE)--On October 22, 2025, Canfield, OH-based Farmers National Banc Corp. (NASDAQ: FMNB) (KBRA Senior Unsecured Debt rating: BBB/Stable Outlook) announced a definitive agreement with Middlefield, OH-based Middlefield Banc Corp., (NASDAQ: MBCN) (“Middlefield”, $2.0 billion assets, $1.6 billion deposits) in an all-stock deal valued at $299.0 million, reflective of a price to TBV of 1.6x with expected TBV dilution earn back of ~3 years. The merger is expected to close in 1Q26. The proforma bank will have $7.4 billion in assets, $5.0 billion in loans, and $6.1 billion in deposits. Overall, the impact on FMNB’s capital position is expected to be moderate, with a reported pro forma CET1 ratio of approximately 11.2% (compared to 11.7% as of 3Q25) and an improvement in the pro forma TCE ratio to 6.4% from 5.5%. While the proforma capital levels will remain slightly below the rated peer median, we view them as appropriate given FMNB’s risk profile. Furthermore, we anti Show less Read more
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