---
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"
generated_at: "2026-06-26T04:17:55.964023+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q1 adj EPS $0.51 flat YoY; Emclaire acquisition expected H2 2022

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-121661
- JSON: https://secwatch.observer/filing/0001193125-22-121661.json
- Plain text: https://secwatch.observer/filing/0001193125-22-121661.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.