{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-194096","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.460102+00:00","generated_at":"2026-06-13T02:31:55.043563+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Farmers National Q2 EPS $0.40 ($0.41 adjusted); net income $15.0M","bullets":["Diluted EPS $0.40 ($0.41 adjusted non-GAAP); net income $15.0M vs $16.0M a year ago.","Net interest margin 2.92%, down from 3.25% Q2 2022 due to rising funding costs.","Total assets $5.07B; Emclaire acquisition added $1.05B in assets in Q1.","Uninsured deposits (ex-collateralized) ~15% of deposits; FHLB borrowing capacity $707.8M.","Non-performing loans $18.0M (0.57% of loans); provision for credit losses $25K."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-194096","json":"https://secwatch.observer/filing/0001193125-23-194096.json","markdown":"https://secwatch.observer/filing/0001193125-23-194096.md","text":"https://secwatch.observer/filing/0001193125-23-194096.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312523194096/0001193125-23-194096-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312523194096/d522003d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:31:55.043563+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":[{"claim_id":"37c7af803b9fcfa51c35e621b669e3b0edb96e02","claim":"FARMERS NATIONAL BANC CORP /OH/ reported the three months ended June 30, 2023 results: net income $15.0 million, EPS $0.40 per diluted share.","evidence_excerpt":"Farmers National Banc Corp. (“Farmers” or the “Company”) (NASDAQ: FMNB) reported today net income of $15.0 million, or $0.40 per diluted share, for the three months ended June 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/709337/000119312523194096/0001193125-23-194096-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended June 30, 2023"},{"label":"Net income","value":"$15.0 million"},{"label":"EPS","value":"$0.40 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}