{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-019796","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.499686+00:00","generated_at":"2026-06-27T15:09:47.768156+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Farmers National reports record 2021 net income of $51.8M; Cortland acquisition closed Nov 1, 2021","bullets":["GAAP net income $51.8M ($1.77/share) vs $41.9M ($1.47) in 2020; adjusted EPS $2.13.","Completed Cortland Bancorp merger in cash/stock valued at ~$128.5M; combined 48 branches.","Issued $75M of subordinated debt at 3.125%.","156 consecutive quarters of profitability; Q4 core ROATE 18.5% and efficiency ratio 47.4% (non-GAAP).","Allowance for credit losses 1.26% of loans; non-performing loans improved to 0.69%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-019796","json":"https://secwatch.observer/filing/0001193125-22-019796.json","markdown":"https://secwatch.observer/filing/0001193125-22-019796.md","text":"https://secwatch.observer/filing/0001193125-22-019796.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312522019796/0001193125-22-019796-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312522019796/d300404d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:09:47.768156+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}