{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-121661","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2022-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.429406+00:00","generated_at":"2026-06-26T04:17:55.964023+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Farmers National Q1 adj EPS $0.51 flat YoY; Emclaire acquisition expected H2 2022","bullets":["GAAP diluted EPS $0.47 vs $0.51 YoY; adjusted EPS (non-GAAP) $0.51 flat.","Net income $15.8M; net interest income $31.2M; total assets $4.21B.","Efficiency ratio (adj) 48.2%; ROAA (adj) 1.65%; ROATE (adj) 19.5%.","Completed Cortland integration; announced Emclaire Financial (EMCF) acquisition ($1.1B assets, 19 PA branches).","NPLs declined to 0.61% of loans; allowance for credit losses 1.17%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-121661","json":"https://secwatch.observer/filing/0001193125-22-121661.json","markdown":"https://secwatch.observer/filing/0001193125-22-121661.md","text":"https://secwatch.observer/filing/0001193125-22-121661.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312522121661/0001193125-22-121661-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312522121661/d346844d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:17:55.964023+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"}