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  <xsd:element abstract="true" id="fmnb_OwnerOccupiedMember" name="OwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_PerformanceRestrictedStockUnitsMember" name="PerformanceRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollectionsNet" name="ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollectionsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_ProceedsFromSaleOfRegulatoryStock" name="ProceedsFromSaleOfRegulatoryStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_PurchaseOfRegulatoryStock" name="PurchaseOfRegulatoryStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_RegulatoryStock" name="RegulatoryStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="fmnb_RetirementPlanConsultingMember" name="RetirementPlanConsultingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_SbicFundsMember" name="SbicFundsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_ScheduleOfCollateralDependentLoansTableTextBlock" name="ScheduleOfCollateralDependentLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_ScheduleOfLoansHeldForSaleTableTextBlock" name="ScheduleOfLoansHeldForSaleTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_ServiceRestrictedStockUnitsMember" name="ServiceRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_SmallBusinessAdministrationMember" name="SmallBusinessAdministrationMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_SolarInvestmentTaxCreditMember" name="SolarInvestmentTaxCreditMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="fmnb_StockIssuedDuringPeriodValueRestrictedStockAwardForfeituresNet" name="StockIssuedDuringPeriodValueRestrictedStockAwardForfeituresNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_The2022PlanMember" name="The2022PlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_The2026PlanMember" name="The2026PlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_TrustSegmentMember" name="TrustSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_TseoStatutoryTrustIMember" name="TseoStatutoryTrustIMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_UnsecuredRevolvingLineOfCreditMember" name="UnsecuredRevolvingLineOfCreditMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-10-leases-maturities-of-lease-liabilities-details" name="statement-statement-note-10-leases-maturities-of-lease-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-10-leases-tables" name="statement-statement-note-10-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-11-derivative-financial-instruments-schedule-of-derivative-gain-loss-details" name="statement-statement-note-11-derivative-financial-instruments-schedule-of-derivative-gain-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-11-derivative-financial-instruments-schedule-of-derivative-instruments-details" name="statement-statement-note-11-derivative-financial-instruments-schedule-of-derivative-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-11-derivative-financial-instruments-schedule-of-derivative-instruments-financial-position-details" name="statement-statement-note-11-derivative-financial-instruments-schedule-of-derivative-instruments-financial-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-11-derivative-financial-instruments-tables" name="statement-statement-note-11-derivative-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-12-earnings-per-share-schedule-of-earnings-per-share-details" name="statement-statement-note-12-earnings-per-share-schedule-of-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-12-earnings-per-share-tables" name="statement-statement-note-12-earnings-per-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-13-stock-based-compensation-restricted-stock-unit-activity-details" name="statement-statement-note-13-stock-based-compensation-restricted-stock-unit-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-13-stock-based-compensation-tables" name="statement-statement-note-13-stock-based-compensation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-14-other-comprehensive-income-loss-schedule-of-accumulated-other-comprehensive-income-loss-details" name="statement-statement-note-14-other-comprehensive-income-loss-schedule-of-accumulated-other-comprehensive-income-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-14-other-comprehensive-income-loss-tables" name="statement-statement-note-14-other-comprehensive-income-loss-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-15-regulatory-capital-matters-schedule-of-regulatory-capital-details" name="statement-statement-note-15-regulatory-capital-matters-schedule-of-regulatory-capital-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-15-regulatory-capital-matters-tables" name="statement-statement-note-15-regulatory-capital-matters-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-16-segment-information-reconciliation-of-segment-assets-details" name="statement-statement-note-16-segment-information-reconciliation-of-segment-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-16-segment-information-schedule-of-segment-information-details" name="statement-statement-note-16-segment-information-schedule-of-segment-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-16-segment-information-tables" name="statement-statement-note-16-segment-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-18-longterm-borrowings-schedule-of-longterm-debt-details" name="statement-statement-note-18-longterm-borrowings-schedule-of-longterm-debt-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-18-longterm-borrowings-tables" name="statement-statement-note-18-longterm-borrowings-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-2-business-combination-pro-forma-information-details" name="statement-statement-note-2-business-combination-pro-forma-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-2-business-combinations-schedule-of-business-combination-recognized-asset-acquired-and-liability-assumed-details" name="statement-statement-note-2-business-combinations-schedule-of-business-combination-recognized-asset-acquired-and-liability-assumed-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-2-business-combinations-tables" name="statement-statement-note-2-business-combinations-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-securities-available-for-sale-schedule-of-available-for-sale-securities-details" name="statement-statement-note-3-securities-available-for-sale-schedule-of-available-for-sale-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-securities-available-for-sale-schedule-of-expected-maturity-details" name="statement-statement-note-3-securities-available-for-sale-schedule-of-expected-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-securities-available-for-sale-schedule-of-securities-in-unrealized-loss-positions-details" name="statement-statement-note-3-securities-available-for-sale-schedule-of-securities-in-unrealized-loss-positions-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-securities-available-for-sale-schedule-of-security-gains-and-losses-details" name="statement-statement-note-3-securities-available-for-sale-schedule-of-security-gains-and-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-3-securities-tables" name="statement-statement-note-3-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-4-loans-schedule-of-allowance-for-credit-loss-details" name="statement-statement-note-4-loans-schedule-of-allowance-for-credit-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-4-loans-schedule-of-collateral-dependent-loans-details" name="statement-statement-note-4-loans-schedule-of-collateral-dependent-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-4-loans-schedule-of-loans-details" name="statement-statement-note-4-loans-schedule-of-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-4-loans-schedule-of-nonaccrual-loans-details" name="statement-statement-note-4-loans-schedule-of-nonaccrual-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-4-loans-schedule-of-past-due-loans-details" name="statement-statement-note-4-loans-schedule-of-past-due-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-4-loans-tables" name="statement-statement-note-4-loans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-5-loan-restructurings-schedule-of-loan-modifications-details" name="statement-statement-note-5-loan-restructurings-schedule-of-loan-modifications-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-5-loan-restructurings-schedule-of-modified-loans-with-subsequent-default-details" name="statement-statement-note-5-loan-restructurings-schedule-of-modified-loans-with-subsequent-default-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-5-loan-restructurings-schedule-of-performance-of-loans-modified-details" name="statement-statement-note-5-loan-restructurings-schedule-of-performance-of-loans-modified-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-5-loan-restructurings-tables" name="statement-statement-note-5-loan-restructurings-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-6-credit-quality-indicators-purchased-loans-details" name="statement-statement-note-6-credit-quality-indicators-purchased-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-6-credit-quality-indicators-schedule-of-risk-categories-and-origination-details" name="statement-statement-note-6-credit-quality-indicators-schedule-of-risk-categories-and-origination-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-6-credit-quality-indicators-tables" name="statement-statement-note-6-credit-quality-indicators-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-6-credit-quality-information-schedule-of-loans-held-for-sale-details" name="statement-statement-note-6-credit-quality-information-schedule-of-loans-held-for-sale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-7-revenue-from-contracts-with-customers-schedule-of-noninterest-revenue-details" name="statement-statement-note-7-revenue-from-contracts-with-customers-schedule-of-noninterest-revenue-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-7-revenue-from-contracts-with-customers-tables" name="statement-statement-note-7-revenue-from-contracts-with-customers-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-nonrecurring-measurements-valuation-techniques-details" name="statement-statement-note-8-fair-value-nonrecurring-measurements-valuation-techniques-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-reconciliation-of-level-3-inputs-measured-on-recurring-basis-details" name="statement-statement-note-8-fair-value-reconciliation-of-level-3-inputs-measured-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-reconciliation-of-level-3-inputs-measured-on-recurring-basis-details-parentheticals" name="statement-statement-note-8-fair-value-reconciliation-of-level-3-inputs-measured-on-recurring-basis-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-schedule-of-assets-and-liabilities-not-measured-at-fair-value-details" name="statement-statement-note-8-fair-value-schedule-of-assets-and-liabilities-not-measured-at-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-schedule-of-financial-assets-and-liabilities-at-fair-value-measured-on-recurring-basis-details" name="statement-statement-note-8-fair-value-schedule-of-financial-assets-and-liabilities-at-fair-value-measured-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-schedule-of-financial-assets-at-fair-value-measured-on-nonrecurring-basis-details" name="statement-statement-note-8-fair-value-schedule-of-financial-assets-at-fair-value-measured-on-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-8-fair-value-tables" name="statement-statement-note-8-fair-value-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-9-goodwill-and-intangible-assets-schedule-of-future-amortization-expense-details" name="statement-statement-note-9-goodwill-and-intangible-assets-schedule-of-future-amortization-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-9-goodwill-and-intangible-assets-schedule-of-intangible-assets-details" name="statement-statement-note-9-goodwill-and-intangible-assets-schedule-of-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-note-9-goodwill-and-intangible-assets-tables" name="statement-statement-note-9-goodwill-and-intangible-assets-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="fmnb_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
