secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS NATIONAL BANC CORP /OH/ (FMNB)
CIK:        0000709337
Form:       8-K
Filed at:   2025-01-29T23:59:59+00:00
Accession:  0001193125-25-014962
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/709337/000119312525014962/0001193125-25-014962-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/709337/000119312525014962/d871051d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-014962

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