{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-013588","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2024-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.717820+00:00","generated_at":"2026-06-06T19:34:01.483660+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Farmers National Q4 net income $14.6M, EPS $0.39; loan growth 3.7% annualized","bullets":["GAAP EPS $0.39 vs $0.39 YoY; adjusted EPS $0.41 (non-GAAP) up 7.8% from $0.42.","Loan growth of $29.6M (3.7% annualized) in Q4; NPAs 0.30% of total assets.","Net interest margin 2.78% vs 2.99% a year ago; provision for credit losses $286K.","Noninterest income $12.2M (up from $8.2M), including $915K gain on commercial loan sale.","164 consecutive quarters of profitability; acquired Emclaire Financial in early 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-013588","json":"https://secwatch.observer/filing/0001193125-24-013588.json","markdown":"https://secwatch.observer/filing/0001193125-24-013588.md","text":"https://secwatch.observer/filing/0001193125-24-013588.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/0001193125-24-013588-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/d900362d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T19:34:01.483660+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":"0e451205bde05366525b1d862750281cf461e3bf","claim":"FARMERS NATIONAL BANC CORP /OH/ reported the three months ended December 31, 2023 results: net income $14.6 million, EPS $0.39 per diluted share.","evidence_excerpt":"On January 24, 2024, Farmers National Banc Corp. (the “Company”) announced earnings for the quarter and year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/0001193125-24-013588-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2023"},{"label":"Net income","value":"$14.6 million"},{"label":"EPS","value":"$0.39 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"}