{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-269061","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.311908+00:00","generated_at":"2026-06-23T00:59:32.090179+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Farmers National Q3 EPS $0.46, adjusted $0.48; loan growth 4.6% annualized","bullets":["Net income $15.4M vs $16.0M year ago; diluted EPS $0.46 vs $0.56. Adjusted EPS $0.48 excluding merger costs.","Gross loans (ex-PPP) grew $27.3M in quarter, 4.6% annualized; deposits declined to $3.57B from $3.63B in Q2.","Net interest margin 3.21% vs 3.49% a year ago; noninterest income down $188K to $8.8M on lower mortgage gains.","Pending Emclaire merger (EMCF) valued at $1.0B assets; expected to close after regulatory approvals.","Credit quality improved: NPL ratio 0.54%, NPAs/assets 0.32%; provision for credit losses $448K vs credit of $948K in Q3 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-269061","json":"https://secwatch.observer/filing/0001193125-22-269061.json","markdown":"https://secwatch.observer/filing/0001193125-22-269061.md","text":"https://secwatch.observer/filing/0001193125-22-269061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312522269061/0001193125-22-269061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312522269061/d389074d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:59:32.090179+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"}