---
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"
generated_at: "2026-06-13T02:31:55.043563+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q2 EPS $0.40 ($0.41 adjusted); net income $15.0M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-194096
- JSON: https://secwatch.observer/filing/0001193125-23-194096.json
- Plain text: https://secwatch.observer/filing/0001193125-23-194096.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three months ended June 30, 2023
  - Net income: $15.0 million
  - EPS: $0.40 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/709337/000119312523194096/0001193125-23-194096-index.htm

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