Farmers National Banc Corp. ( FMNB ) has been very dependent on mergers & acquisitions which decreased and diluted value generation to shareholders. And it is struggling to grow its loan portfolio without any acquisitions unlike 5.9% average growth Analyst's Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiv ...