---
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"
generated_at: "2026-05-30T11:14:43.370200+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Farmers National Banc Corp Q3 net income $8.5M ($0.23/diluted), down from $13.3M; credit charge impacts EPS by $0.12

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-241447
- JSON: https://secwatch.observer/filing/0001193125-24-241447.json
- Plain text: https://secwatch.observer/filing/0001193125-24-241447.txt

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