---
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"
generated_at: "2026-06-06T19:34:01.483660+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q4 net income $14.6M, EPS $0.39; loan growth 3.7% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/709337/000119312524013588/0001193125-24-013588-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/d900362d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-013588
- JSON: https://secwatch.observer/filing/0001193125-24-013588.json
- Plain text: https://secwatch.observer/filing/0001193125-24-013588.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three months ended December 31, 2023
  - Net income: $14.6 million
  - EPS: $0.39 per diluted share
  - Result: reported results
  source text: On January 24, 2024, Farmers National Banc Corp. (the “Company”) announced earnings for the quarter and year ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/0001193125-24-013588-index.htm

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