secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS NATIONAL BANC CORP /OH/ (FMNB)
CIK:        0000709337
Form:       8-K
Filed at:   2024-01-24T23:59:59+00:00
Accession:  0001193125-24-013588
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/0001193125-24-013588-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/709337/000119312524013588/d900362d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-24-013588

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