---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-014782"
form_type: "8-K"
ticker: "FMNB"
cik: "0000709337"
company_name: "FARMERS NATIONAL BANC CORP /OH/"
filed_at: "2023-01-25T23:59:59+00:00"
generated_at: "2026-06-20T09:58:37.918123+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FMNB Q4 2022 EPS $0.39 ($0.42 adj.); net income $13.4M vs $5.7M YoY

## Summary
- Net income $13.4M ($0.39 diluted) vs $5.7M ($0.18) in Q4 2021; adjusted EPS $0.42.
- Loan growth excl. PPP of $5.2M; total loans (ex-PPP) $2.40B at Dec 31, 2022.
- Completed Emclaire Financial acquisition Jan 1, 2023 for $1.02B in assets.
- Net interest margin 2.99% vs 3.33% a year ago on deposit competition and rate hikes.
- Non-performing loans $14.8M (0.62% of loans); allowance for credit losses 1.12%.

## SEC filing metadata
- accession: 0001193125-23-014782
- form_type: 8-K
- ticker: FMNB
- cik: 0000709337
- company_name: FARMERS NATIONAL BANC CORP /OH/
- filed_at: 2023-01-25T23:59:59+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/709337/000119312523014782/0001193125-23-014782-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/709337/000119312523014782/d369003d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-014782
- JSON: https://secwatch.observer/filing/0001193125-23-014782.json
- Plain text: https://secwatch.observer/filing/0001193125-23-014782.txt

## Key facts
- Earnings Releases
  FARMERS NATIONAL BANC CORP /OH/ reported the three months ended December 31, 2022 results: net income $13.4 million, EPS $0.39 per diluted share.
  - Period: the three months ended December 31, 2022
  - Net income: $13.4 million
  - EPS: $0.39 per diluted share
  - Result: reported results
  source text: Farmers National Banc Corp. (“Farmers” or the “Company”) (NASDAQ: FMNB) reported today net income of $13.4 million for the three months ended December 31, 2022 compared to $5.7 million for the three months ended December 31, 2021. The Company reported diluted earnings per share of $0.39 for the fourth quarter of 2022 versus $0.18 for the same period in 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/709337/000119312523014782/0001193125-23-014782-index.htm
- Earnings Releases
  FARMERS NATIONAL BANC CORP /OH/ reported the twelve months ended December 31, 2022 results: net income $60.6 million, EPS $1.79 per diluted share.
  - Period: the twelve months ended December 31, 2022
  - Net income: $60.6 million
  - EPS: $1.79 per diluted share
  - Result: reported results
  source text: Net income for the twelve months ended December 31, 2022, totaled $60.6 million, or $1.79 per diluted share, compared to $51.8 million, or $1.77 per diluted share for the twelve months ended December 31, 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/709337/000119312523014782/0001193125-23-014782-index.htm

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