---
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"
generated_at: "2026-06-24T08:23:06.546643+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q2 EPS $0.47 ($0.49 adjusted); loans ex-PPP grow 15.7% annualized; Emclaire merger shareholder-approved

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-202699
- JSON: https://secwatch.observer/filing/0001193125-22-202699.json
- Plain text: https://secwatch.observer/filing/0001193125-22-202699.txt

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