---
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"
generated_at: "2026-06-23T00:59:32.090179+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q3 EPS $0.46, adjusted $0.48; loan growth 4.6% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-269061
- JSON: https://secwatch.observer/filing/0001193125-22-269061.json
- Plain text: https://secwatch.observer/filing/0001193125-22-269061.txt

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