June 25, 2015 Conference Call Presentation to Discuss

Acquisition of Tri-State 1st Banc, Inc.

Exhibit 99.1

2

Disclosure Statement

Forward-Looking Statements

This investor presentation contains forward-looking statements within the meaning of the Private Securities Litigation

Reform Act of 1995. These statements are not historical facts, but rather statements based on the Company's current

expectations regarding our business strategies and their intended results and future performance. Forward-looking

statements are preceded by terms such as "expects," "believes," "anticipates," "intends" and similar expressions, as

well as any statements related to future expectations of performance or conditional verbs, such as "will," "would,"

"should," "could," or "may."

Forward-looking statements are not guarantees of future performance. Numerous risks and uncertainties could cause or

contribute to the Company's actual results, performance, and achievements to be materially different from those

expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences

include,

without

limitation,

the

Company's

failure

to

integrate

Tri-State

1

st

Banc,

Inc.

and

1

st

National

Community

Bank

in

accordance

with

expectations;

deviations

from

performance

expectations

related

to

Tri-State

1

st

Banc,

Inc.

and

1

st

National Community Bank; general economic conditions, including changes in market interest rates and changes in

monetary and fiscal policies of the federal government; legislative and regulatory changes; competitive conditions in

the banking markets served by the Company's subsidiaries; the adequacy of the allowance for losses on loans and the

level of future provisions for losses on loans; and other factors disclosed periodically in the Company's filings with

the

Securities and Exchange Commission.

Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue

reliance on them, whether included in this report or made elsewhere from time to time by the Company or on the

Company's behalf. The Company assumes no obligation to update any forward-looking statements.

3

Additional Information for Stockholders

In

connection

with

the

proposed

merger,

Farmers

will

file

with

the

Securities

and

Exchange

Commission

("SEC")

a

Registration Statement on Form S-4 that will include a joint proxy statement and a Farmers prospectus, as well as other

relevant documents concerning the proposed transaction.

SHAREHOLDERS OF FARMERS AND TRI-STATE 1ST BANC, INC. AND OTHER INVESTORS ARE URGED

TO CAREFULLY READ THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED IN THE REGISTRATION

STATEMENT

ON

FORM

S-4,

WHICH

FARMERS

WILL

FILE

WITH

THE

SEC

IN

CONNECTION

WITH

THE

PROPOSED MERGER, BECAUSE IT WILL CONTAIN IMPORTANT INFORMATION ABOUT FARMERS, TRI-

STATE

1ST

BANC,

INC.,

THE

MERGER,

THE

PERSONS

SOLICITING

PROXIES

WITH

RESPECT

TO

THE

PROPOSED MERGER AND THEIR INTERESTS IN THE PROPOSED MERGER AND RELATED MATTERS.

The

respective

directors

and

executive

officers

of

Farmers

and

Tri-State

1

st

Banc,

Inc.

and

other

persons

may

be

deemed

to

be

participants

in

the

solicitation

of

proxies

from

Tri-State

1

st

Banc,

Inc.

and

Farmers

shareholders

with

respect to the proposed merger. Information regarding the directors and executive officers of Farmers is available in its

proxy

statement

filed

with

the

SEC

on

March

13,

2015.

Information

regarding

directors

and

executive

officers

of

Tri-

State 1

st

Banc, Inc. is available on its website at http://www.1stncb.com. Other information regarding the participants in

the solicitation and a description of their direct and indirect interests, by security holdings or otherwise, will be

contained

in

the

proxy

statement/prospectus

and

other

relevant

materials

to

be

filed

with

the

SEC

when

they

become

available.

Investors and security holders will be able to obtain free copies of the registration statement (when available) and other

documents

filed

with

the

SEC

by

Farmers

through

the

website

maintained

by

the

SEC

at

http://www.sec.gov.

Copies

of the documents filed with the

SEC

by Farmers will be available free of charge on Farmers' website at

https://www.farmersbankgroup.com.

•

Acquisition of National Bancshares Corp. completed on June 19

th

–

Closing

occurred

in

the

2

nd

Quarter

of

2015

as

expected

–

Creates

the

third

largest

community

bank

by

asset

size

headquartered

in

Northeastern

Ohio

(1)

–

Enhances scale, profitability, growth potential, and brand recognition

–

Integration progressing as expected

•

Farmers intends to remain a strategic

acquirer within its core and contiguous

markets.  Yesterday’s announcement

of the TSOH

transaction further

illustrates our commitment to

identifying opportunities to help

Farmers continue to enhance its

franchise value.

•

Near-term focus will be on seamless

integration of both transactions.

4

NBOH

Transaction Update

(1)

Community Banks defined as those with assets less than $20.0 billion.  Northeast Ohio includes area codes 216, 330 and 440

History of Acquisition and

Business Development

•

2009 Acquired the Butler Wick Trust Company

•

2010 Created Farmers National Insurance

•

2012 Rolled Out Private Client Services

•

2013 Acquired National Associates

•

2015 Acquired National Bancshares Corporation

•

2015

Announced

acquisition

of

Tri-State

1

st

Banc,

Inc.

5

(1)

Based on FMNB’s stock price of $8.20 on June 23, 2015

Source: SNL Financial

FMNB Branches (33)

TSOH Branches (5)

Pro Forma Highlights

Branches

38

Assets

$1.8

Billion

Loans

$1.2

Billion

Deposits

$1.5

Billion

Market Cap

$221

Million

•

Strengthens presence in attractive

Columbiana County while underscoring

Farmers’ commitment to the community

–

Pro-forma,

Farmers’

will

rank

2

nd

in

market

share

with ~20% of the county’s deposits, trailing only

Huntington

–

TSOH provides an attractive deposit base with

$54.3 million of demand deposits and an overall

cost of deposits of 0.19%

•

Expands wealth management client base

•

President & CEO Steve Sant

to continue as

Community President of the South East

Market (Southern Columbiana County and

Western PA)

–

Experienced leader with prior experience at Sky

and First Western

Transaction Highlights

TSOH Acquisition

1

6

•

Each shareholder of TSOH will elect to receive $14.20 per share in

cash or 1.747 shares of FMNB, subject to 75% of the shares being

exchanged for stock and 25% for cash

•

$14.2 million based on FMNB’s closing price of $8.20 on

June 23,

2015

Structure/Consideration

•

Deal value/tangible book value of 134%

1,2

•

Deal value/ LTM Earnings of 18.7x

1

•

Core deposit premium of 2.9%

1,3

Transaction Multiples

•

Transaction expected to be accretive to earnings per share by

approximately 5% in the first full year of combined operations

(excluding one-time merger charges)

•

<2% dilutive to TBV with dilution earned back in 2.3 years

•

Projected IRR of over 20%

Financial Impact

•

Customary regulatory approvals and TSOH shareholder approval

•

Estimated close Q4 2015

Required Approvals/

Timing

(1)

Deal pricing metrics based on aggregate $14.2 million deal value and TSOH 3/31/2015  financials

(2)

Tangible book value as of 3/31/2015 adjusted for sales of Cooper, Gateminder, and MDH

(3)

Core deposit premium defined as aggregate deal value less TSOH’s tangible equity divided by TSOH’s deposits less time deposit accounts with balances over $100,000

Transaction Overview

1

st

National Community Bank

Loan Mix

(Bank Level)

Deposit Mix

(Bank Level)

Regulatory Financial Highlights

1    National

Community

Bank

(5)

Parent Name

Tri-State 1st Banc, Inc.

Date Established

6/1/1987

Industry

Commercial Bank

Primary Regulator

OCC

Chief Executive Officer

Stephen R. Sant

Number of Offices

5

Chief Financial Officer

Jean Butch Edwards

States of Operation

OH(4),PA(1)

Branch Map

Overview

Source: SNL Financial

1 -

4 Family

RE

34%

Commercial

RE

32%

C&I

14%

Consumer

11%

Other

9%

Demand

Deposits

44%

NOW and

ATS

8%

MMDA and

Savings

26%

Retail Time

19%

Jumbo

Time

3%

Dollars in thousands

1 -

4 Family RE

22,570

$            

Commercial RE

21,427

C&I

9,161

Consumer

7,349

Other

6,443

Gross Loans and Leases

66,950

$            

Dollars in thousands

Demand Deposits

54,320

$            

NOW and ATS

9,999

MMDA and Savings

32,016

Retail Time

23,327

Jumbo Time

3,284

Total Deposits

122,946

$          

st

2011

2012

2013

2014

YTD 3/31

Total Assets ($000)

130,195

136,601

124,060

130,363

138,974

Total Net Loans ($000)

60,316

62,100

66,342

66,133

66,125

Total Deposits ($000)

103,223

102,052

108,176

114,308

122,946

Tangible Common Eqty ($000)

12,889

14,075

11,538

12,916

13,325

ROAA (%)

0.61

0.70

0.74

0.72

0.64

ROAE (%)

6.64

7.33

7.77

7.50

6.55

Net Interest Margin (%)

3.62

3.33

3.27

3.48

3.45

TCE / TA (%)

9.90

10.30

9.30

9.91

9.59

Tier 1 Ratio (%)

17.38

17.72

15.91

16.89

18.41

TRBC Ratio (%)

18.64

18.98

17.16

18.09

19.70

NPAs / Assets (%)

1.80

1.30

1.66

1.29

1.25

NCOs / Avg Loans (%)

0.39

0.21

0.14

0.12

0.02

LLRs / Gross Loans (%)

1.99

1.76

1.47

1.23

1.23

•

Maintains and strengthens community banking presence in

Columbiana County

–

Opportunity to partner with a larger organization, yet still maintaining our

community banking culture

•

Develops deeper, comprehensive banking platform with broader

array of products and solutions for our customers

•

Presents a liquidity opportunity for TSOH

shareholders offering

them the opportunity to continue to grow their investment with a

strong and growing company

•

Combined Company has additional synergies beyond cost

savings:  wealth management and increased lending limits

8

TSOH

Perspective:

Partnering with Farmers

9

Due Diligence Summary

•

Estimated credit mark of $1.1 million on the

loan portfolio ($313 thousand in excess of

3/31/2015 loan loss reserves)

•

Fair market value adjustment to fixed assets

of  $942 thousand

•

Projected cost savings of approximately

37% based on a bottoms up analysis of

TSOH’s

non-interest expense base

•

Assumes no revenue synergies, although we

believe opportunities exist to cross sell

Farmers’ wealth management products

•

Total after-tax, one-time merger charges are

estimated at

$1.7 million

Key Modeling Assumptions

•

Comprehensive due diligence process

•

Credit due diligence lead by Farmers’ in-

house lending team and supplemented by

BKD, LLC (“BKD”)

•

Analyzed credit files, underwriting

methodology and policy and portfolio

management processes

•

FMNB’s

credit reviews focused on the

largest relationships, adversely classified

assets and watch list loans

•

BKD

also engaged to provide analysis of

potential interest rate marks to TSOH’s

assets & liabilities

10

Dollars in Thousands

For the period ended March 31, 2015

PF Farmers Natl Bk of Canfield

1st National Community Bank

Pro Forma

Construction & Development

44,662

$                  

4.1%

1,558

$                   

2.3%

46,220

$                 

4.0%

Secured by Farmland

52,906

4.9%

593

0.9%

53,499

4.6%

1 - 4 Family Real Estate

345,271

31.8%

22,570

33.7%

367,841

31.9%

5+ Family Real Estate

27,665

2.5%

1,715

2.6%

29,380

2.5%

Commercial Real Estate

265,457

24.4%

21,427

32.0%

286,884

24.9%

Agricultural

23,099

2.1%

-

0.0%

23,099

2.0%

Commercial & Industrial

124,529

11.5%

9,161

13.7%

133,690

11.6%

Consumer

164,770

15.2%

7,349

11.0%

172,119

14.9%

Other

38,644

3.6%

2,577

3.8%

41,221

3.6%

Gross Loans and Leases

1,087,003

$             

100.0%

66,950

$                 

100.0%

1,153,953

$            

100.0%

PF Farmers Natl. Bank of Canfield*

1

National Community Bank

Pro Forma

Yield:

4.47%

5.16%

4.51%

(1)

*Pro forma for the acquisition of National Bancshares Corporation

(1)

Pro forma yield calculated based on loan yield for the quarter ended March 31, 2015, and the weighted average of the loan portfolios

Source: SNL Financial

Note: Financials reflect reported bank level regulatory data

Pro Forma Loan Portfolio

C&D

4%

Farm

5%

32%

5+ Family

3%

Comm. RE

24%

Agriculture

2%

C&I

11%

Consumer

15%

Other

4%

Family

C&D

2%

Farm

1%

1 -

4

34%

5+ Family

2%

Comm. RE

32%

C&I

14%

Consumer

11%

Other

4%

Family

C&D

4%

Farm

5%

32%

5+ Family

2%

Comm. RE

25%

Agriculture

2%

C&I

12%

Consumer

15%

Other

4%

Family

1 -

4

1 -

4

st

Dollars in Thousands

For the period ended March 31, 2015

PF Farmers Natl Bk of Canfield

1st National Community Bank

Pro Forma

Demand Deposits

105,668

$                

7.9%

54,320

$                 

44.2%

159,988

$               

11.0%

NOW and ATS

56,049

4.2%

9,999

8.1%

66,048

4.5%

MMDA and Savings

897,631

67.5%

32,016

26.0%

929,647

64.0%

Retail Time Deposits ( < $100K)

159,078

12.0%

23,327

19.0%

182,405

12.6%

Jumbo Time Deposits ( > $100K)

111,077

8.4%

3,284

2.7%

114,361

7.9%

Total Deposits

1,329,503

$             

100.0%

122,946

$               

100.0%

1,452,449

$            

100.0%

Cost:

0.36%

0.19%

0.35%

(1)

*Pro forma for the acquisition of National Bancshares Corporation

(1)

Source: SNL Financial

Note: Financials reflect reported bank level regulatory data

Pro Forma Deposit Mix

Demand

Deps.

8%

NOW and

ATS

4%

MMDA

and

Savings

68%

Retail

Time

12%

Jumbo

Time

8%

Demand

Deps.

44%

NOW and

ATS

8%

MMDA and

Savings

26%

Retail Time

19%

Jumbo

Time

3%

Demand

Deps.

11%

NOW and

ATS

4%

MMDA

and

Savings

64%

Retail

Time

13%

Jumbo

Time

8%

PF Farmers Natl. Bank of Canfield*

1

st

National Community Bank

Pro Forma

Pro forma deposit cost calculated based on deposit cost for the quarter ended March 31, 2015, and the weighted average of the deposit portfolios

•

Strengthens Farmers’ presence in Columbiana County and initiates entry into

Western Pennsylvania

•

Financially compelling: EPS accretive, minimal TBV

dilution and IRR north of

20%

•

Attractive core deposit mix

•

Enhanced Southern Columbiana County and Western Pennsylvania leadership

with the addition of Steve Sant

•

Consistent with Farmers’ strategy of acquiring banks in contiguous/adjacent

markets that help the Company grow its earnings and enhance its franchise value

12

Summary Highlights