XML 43 R32.htm IDEA: XBRL DOCUMENT v3.25.3

Note 4 - Loans (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In Thousands of Dollars)		September 30, 2025				December 31, 2024
Commercial real estate
Owner occupied		$	395,449			$	391,302
Non-owner occupied			734,472				695,699
Farmland			214,215				206,786
Other			298,662				295,713
Commercial
Commercial and industrial			351,213				349,966
Agricultural			54,810				55,606
Residential real estate
1-4 family residential			850,112				845,081
Home equity lines of credit			176,609				158,014
Consumer
Indirect			224,995				232,822
Direct			18,346				19,143
Other			8,216				7,989
Total loans		$	3,327,099			$	3,258,121
Net deferred loan costs			10,681				10,225
Allowance for credit losses			(39,528	)			(35,863	)
Net loans		$	3,298,252			$	3,232,483

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	21,627			$	4,973			$	7,210			$	4,753			$	38,563
Provision (credit) for credit losses			1,428				(204	)			127				150				1,501
Loans charged off			(75	)			(319	)			(154	)			(321	)			(869	)
Recoveries			0				176				25				132				333
Total ending allowance balance		$	22,980			$	4,626			$	7,208			$	4,714			$	39,528

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	19,259			$	4,628			$	7,271			$	4,705			$	35,863
Provision (Credit) for credit losses			3,840				572				84				613				5,109
Loans charged off			(141	)			(973	)			(231	)			(970	)			(2,315	)
Recoveries			22				399				84				366				871
Total ending allowance balance		$	22,980			$	4,626			$	7,208			$	4,714			$	39,528

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	17,223			$	4,628			$	7,422			$	4,718			$	33,991
(Credit) Provision for credit losses			6,226				(24	)			117				488				6,807
Loans charged off			(4,401	)			(396	)			0				(319	)			(5,116	)
Recoveries			3				407				10				84				504
Total ending allowance balance		$	19,051			$	4,615			$	7,549			$	4,971			$	36,186

		Commercial								Residential
(In Thousands of Dollars)		Real Estate				Commercial				Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	18,150			$	5,087			$	6,916			$	4,287			$	34,440
(Credit) Provision for credit losses			5,427				466				676				1,363				7,932
Loans charged off			(4,547	)			(1,411	)			(81	)			(1,020	)			(7,059	)
Recoveries			21				473				38				341				873
Total ending allowance balance		$	19,051			$	4,615			$	7,549			$	4,971			$	36,186

Financing Receivable, Nonaccrual [Table Text Block]

		Nonaccrual with				Nonaccrual with				Loans past due
		no allowance				an allowance				over 89 days
(In Thousands of Dollars)		for credit loss				for credit loss				still accruing
September 30, 2025
Commercial real estate
Owner occupied		$	0			$	224			$	0
Non-owner occupied			0				18,619				0
Farmland			0				47				0
Other			0				8,390				0
Commercial
Commercial and industrial			54				2,986				82
Agricultural			0				158				0
Residential real estate
1-4 family residential			1,029				2,379				34
Home equity lines of credit			171				450				0
Consumer
Indirect			34				502				0
Direct			0				35				0
Other			0				0				0
Total loans		$	1,288			$	33,790			$	116

		Nonaccrual with				Nonaccrual with				Loans past due
		no allowance				an allowance				over 89 days
(In Thousands of Dollars)		for credit loss				for credit loss				still accruing
December 31, 2024
Commercial real estate
Owner occupied		$	0			$	937			$	0
Non-owner occupied			0				8,105				0
Farmland			1,757				3				0
Other			0				0				525
Commercial
Commercial and industrial			145				3,713				0
Agricultural			177				183				0
Residential real estate
1-4 family residential			513				3,967				90
Home equity lines of credit			94				409				0
Consumer
Indirect			37				463				0
Direct			66				34				0
Other			0				0				0
Total loans		$	2,789			$	17,814			$	615

Schedule of Collateral Dependent Loans [Table Text Block]

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
September 30, 2025
Commercial real estate
Owner occupied		$	0			$	0			$	0			$	0
Non-owner occupied			29,301				0				0				0
Farmland			0				0				0				0
Other			8,390				0				0				0
Commercial
Commercial and industrial			0				2,409				0				0
Agricultural			0				0				0				0
Residential real estate
1-4 family residential			3,262				0				0				0
Home equity lines of credit			447				0				0				0
Consumer
Indirect			0				0				126				0
Direct			0				0				5				0
Other			0				0				0				0
Total loans		$	41,400			$	2,409			$	131			$	0

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
December 31, 2024
Commercial real estate
Owner occupied		$	0			$	0			$	0			$	0
Non-owner occupied			8,119				0				0				0
Farmland			1,757				0				0				0
Other			0				0				0				0
Commercial
Commercial and industrial			0				2,591				0				0
Agricultural			0				177				0				0
Residential real estate
1-4 family residential			3,573				0				0				0
Home equity lines of credit			264				0				0				0
Consumer
Indirect			0				0				70				0
Direct			0				0				9				66
Other			0				0				0				0
Total loans		$	13,713			$	2,768			$	79			$	66

Financing Receivable, Past Due [Table Text Block]

										90 Days
										or More
		30-59 Days				60-89 Days				Past Due				Total				Loans Not
(In Thousands of Dollars)		Past Due				Past Due				and Nonaccrual				Past Due				Past Due				Total
September 30, 2025
Commercial real estate
Owner occupied		$	2,690			$	0			$	224			$	2,914			$	392,356			$	395,270
Non-owner occupied			58				141				18,619				18,818				715,263				734,081
Farmland			274				133				47				454				213,609				214,063
Other			237				0				8,390				8,627				289,533				298,160
Commercial
Commercial and industrial			1,036				312				3,122				4,470				348,266				352,736
Agricultural			280				107				158				545				55,180				55,725
Residential real estate
1-4 family residential			6,331				862				3,442				10,635				840,276				850,911
Home equity lines of credit			1,276				161				621				2,058				174,771				176,829
Consumer
Indirect			1,775				228				536				2,539				230,838				233,377
Direct			50				31				35				116				18,292				18,408
Other			101				0				0				101				8,119				8,220
Total loans		$	14,108			$	1,975			$	35,194			$	51,277			$	3,286,503			$	3,337,780

										90 Days
										or More
		30-59 Days				60-89 Days				Past Due				Total				Loans Not
(In Thousands of Dollars)		Past Due				Past Due				and Nonaccrual				Past Due				Past Due				Total
December 31, 2024
Commercial real estate
Owner occupied		$	95			$	446			$	937			$	1,478			$	389,630			$	391,108
Non-owner occupied			15				52				8,105				8,172				687,112				695,284
Farmland			53				0				1,760				1,813				204,787				206,600
Other			0				113				525				638				294,543				295,181
Commercial
Commercial and industrial			941				324				3,858				5,123				346,410				351,533
Agricultural			284				26				360				670				55,759				56,429
Residential real estate
1-4 family residential			6,688				1,943				4,570				13,201				832,338				845,539
Home equity lines of credit			104				0				503				607				157,532				158,139
Consumer
Indirect			1,385				473				500				2,358				238,997				241,355
Direct			59				30				100				189				18,996				19,185
Other			0				1				0				1				7,992				7,993
Total loans		$	9,624			$	3,408			$	21,218			$	34,250			$	3,234,096			$	3,268,346

X

- Definition

The tabular disclosure of collateral dependent loans.

+ References

No definition available.

+ Details

Name:	fmnb_ScheduleOfCollateralDependentLoansTableTextBlock
Namespace Prefix:	fmnb_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_TableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration