---
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"
generated_at: "2026-05-27T07:36:29.199875+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q4 net income $14.4M ($0.38 EPS); NIM 2.72%, up 6bp QoQ; acquires Crest Retirement

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-014962
- JSON: https://secwatch.observer/filing/0001193125-25-014962.json
- Plain text: https://secwatch.observer/filing/0001193125-25-014962.txt

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