{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-108542","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2024-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.734309+00:00","generated_at":"2026-06-03T10:18:54.372164+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Farmers National Q1 net income $11.2M, EPS $0.30 vs $0.19 YoY; restructures $44.3M securities","bullets":["Net income $11.2M ($0.30 diluted EPS) vs $7.1M ($0.19) YoY; non-GAAP EPS $0.34 excluding securities sale loss.","Restructured $44.3M of securities, incurring $2.1M loss, improving yield ~200 bps with about 2.5-year earnback.","Deposit growth $20.7M (2% annualized); non-performing loans ratio improved to 0.38% from 0.47%.","Net interest margin declined to 2.70% from 3.07% due to higher funding costs; provision recovery of $449,000.","Noninterest expense down to $27.0M from $30.7M as no merger charges; 165th consecutive profitable quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-108542","json":"https://secwatch.observer/filing/0001193125-24-108542.json","markdown":"https://secwatch.observer/filing/0001193125-24-108542.md","text":"https://secwatch.observer/filing/0001193125-24-108542.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312524108542/0001193125-24-108542-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312524108542/d804215d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T10:18:54.372164+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":"ff36fc39f1ae0619d30c4e983aabe8bd0ee9650d","claim":"FARMERS NATIONAL BANC CORP /OH/ reported the three months ended March 31, 2024 results: net income $11.2 million, EPS $0.30 per diluted share.","evidence_excerpt":"Farmers National Banc Corp. (“Farmers” or the “Company”) (NASDAQ: FMNB) reported net income of $11.2 million, or $0.30 per diluted share, for the three months ended March 31, 2024, compared to $7.1 million, or $0.19 per diluted share, for the three months ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/709337/000119312524108542/0001193125-24-108542-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$11.2 million"},{"label":"EPS","value":"$0.30 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"}