{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-014962","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.139615+00:00","generated_at":"2026-05-27T07:36:29.199875+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Farmers National Q4 net income $14.4M ($0.38 EPS); NIM 2.72%, up 6bp QoQ; acquires Crest Retirement","bullets":["Net income $14.4M ($0.38 diluted EPS); adjusted EPS $0.39; 168th consecutive profitable quarter.","Net interest margin improved to 2.72% from 2.66% QoQ; funding costs declined from 2.84% to 2.72%.","Non-performing loans rose to $22.8M (0.70% of total loans) from $19.1M in Q3; added $2.6M single commercial credit.","Completed acquisition of Crest Retirement Advisors (Dublin, OH); wealth AUM reached $4.2B.","Efficiency ratio improved to 56.4%; loan-to-deposit ratio 76.6%; total assets $5.12B."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-014962","json":"https://secwatch.observer/filing/0001193125-25-014962.json","markdown":"https://secwatch.observer/filing/0001193125-25-014962.md","text":"https://secwatch.observer/filing/0001193125-25-014962.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312525014962/0001193125-25-014962-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312525014962/d871051d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:36:29.199875+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"}