---
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"
generated_at: "2026-05-31T17:37:40.674222+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q2 EPS $0.31 (adjusted $0.33); net income $11.8M; loan growth 7% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-183344
- JSON: https://secwatch.observer/filing/0001193125-24-183344.json
- Plain text: https://secwatch.observer/filing/0001193125-24-183344.txt

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