{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-202699","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2022-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.961899+00:00","generated_at":"2026-06-24T08:23:06.546643+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Farmers National Q2 EPS $0.47 ($0.49 adjusted); loans ex-PPP grow 15.7% annualized; Emclaire merger shareholder-approved","bullets":["Net income $16.0M ($0.47 diluted GAAP); adjusted EPS $0.49 excluding merger costs and security losses.","Loan growth ex-PPP of $89.6M (15.7% annualized); broad-based strength across all major loan categories.","Emclaire Financial (EMCF) shareholders approved merger; expected close after regulatory approvals (Emclaire: $1.0B assets).","Net interest margin 3.25% vs 3.52% YoY, driven by lower PPP income and higher securities mix.","Tangible book value per share fell to $6.46 from $10.91 at Dec 2021 due to AFS securities unrealized loss of $206.1M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-202699","json":"https://secwatch.observer/filing/0001193125-22-202699.json","markdown":"https://secwatch.observer/filing/0001193125-22-202699.md","text":"https://secwatch.observer/filing/0001193125-22-202699.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312522202699/0001193125-22-202699-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312522202699/d295106d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:23:06.546643+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"}