{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-262293","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.783963+00:00","generated_at":"2026-06-09T12:10:06.522873+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Farmers National Q3 net income $13.3M ($0.36 EPS); adjusted EPS $0.40; net interest margin compresses to 2.86%","bullets":["Net income $13.3M ($0.36 diluted EPS) vs $15.4M ($0.46) in Q3 2022; adjusted EPS $0.40 (non-GAAP).","Net interest margin 2.86%, down 35 bps QoQ and 35 bps YoY; purchased $100M pay-fixed swaps to improve asset sensitivity.","Loans grew $763.8M YTD, primarily from Emclaire acquisition ($740.7M); organic loan growth modest at 1.7% annualized QoQ.","Non-performing assets/total assets 0.37%; provision for credit losses $243K; annualized net charge-offs 0.05%.","Total assets $4.97B; additional FHLB borrowing capacity $892.6M; unpledged AFS securities $353.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-262293","json":"https://secwatch.observer/filing/0001193125-23-262293.json","markdown":"https://secwatch.observer/filing/0001193125-23-262293.md","text":"https://secwatch.observer/filing/0001193125-23-262293.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312523262293/0001193125-23-262293-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312523262293/d552841d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T12:10:06.522873+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":"78dd354dd71a37db5f5a07c5020e1396ab58c873","claim":"FARMERS NATIONAL BANC CORP /OH/ reported three months ended September 30, 2023 results: net income $13.3 million, EPS $0.36 per diluted share.","evidence_excerpt":"Farmers National Banc Corp. (“Farmers” or the “Company”) (NASDAQ: FMNB) today announced net income of $13.3 million, or $0.36 per diluted share, for the three months ended September 30, 2023, compared to $15.4 million, or $0.46 per diluted share, for the three months ended September 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/709337/000119312523262293/0001193125-23-262293-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended September 30, 2023"},{"label":"Net income","value":"$13.3 million"},{"label":"EPS","value":"$0.36 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"}