{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-183344","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.659422+00:00","generated_at":"2026-05-31T17:37:40.674222+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Farmers National Q2 EPS $0.31 (adjusted $0.33); net income $11.8M; loan growth 7% annualized","bullets":["Net income $11.8M ($0.31 diluted EPS) vs $15.0M ($0.40) in Q2 2023; adjusted net income $12.2M ($0.33).","Loan growth $56.1M (7% annualized) to $3.24B; total deposits flat at $4.21B.","Net interest margin 2.71% vs 2.92% a year ago; net interest income $32.1M vs $34.6M.","Non-performing loans to total loans 0.40%; provision for credit losses $1.1M primarily from loan growth.","Company reaffirms 2024 loan growth guidance of ~1.5%-2% despite strong Q2 growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-183344","json":"https://secwatch.observer/filing/0001193125-24-183344.json","markdown":"https://secwatch.observer/filing/0001193125-24-183344.md","text":"https://secwatch.observer/filing/0001193125-24-183344.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312524183344/0001193125-24-183344-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312524183344/d856374d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:37:40.674222+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}