{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-241447","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.847657+00:00","generated_at":"2026-05-30T11:14:43.370200+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Farmers National Banc Corp Q3 net income $8.5M ($0.23/diluted), down from $13.3M; credit charge impacts EPS by $0.12","bullets":["Net income of $8.5M ($0.23 diluted) vs $13.3M ($0.36) in Q3 2023; impacted by $4.4M charge-off on office credit.","Loan growth of $43.1M (5.3% annualized) driven by commercial loans; deposits up $81.1M (7.7% annualized).","Net interest margin declined to 2.66% from 2.86% a year ago; provision for credit losses jumped to $7.0M from $243K.","Noninterest income rose to $12.3M from $9.8M, aided by SBIC gains and $444K gain on sub debt buyback.","Non-performing loans increased to $19.1M (0.58% of loans) from $12.9M (0.40%) at June 30, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-241447","json":"https://secwatch.observer/filing/0001193125-24-241447.json","markdown":"https://secwatch.observer/filing/0001193125-24-241447.md","text":"https://secwatch.observer/filing/0001193125-24-241447.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312524241447/0001193125-24-241447-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312524241447/d840514d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:14:43.370200+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"}