---
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"
generated_at: "2026-06-09T12:10:06.522873+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q3 net income $13.3M ($0.36 EPS); adjusted EPS $0.40; net interest margin compresses to 2.86%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-262293
- JSON: https://secwatch.observer/filing/0001193125-23-262293.json
- Plain text: https://secwatch.observer/filing/0001193125-23-262293.txt

## Key facts
- Earnings Releases
  FARMERS NATIONAL BANC CORP /OH/ reported three months ended September 30, 2023 results: net income $13.3 million, EPS $0.36 per diluted share.
  - Period: three months ended September 30, 2023
  - Net income: $13.3 million
  - EPS: $0.36 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/709337/000119312523262293/0001193125-23-262293-index.htm

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