{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-082078","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.068843+00:00","generated_at":"2026-05-23T14:03:39.673581+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Farmers National Banc Corp reports Q1 net income $13.6M, EPS $0.36; adjusted EPS $0.39","bullets":["Net income $13.6M ($0.36 diluted) vs $11.2M ($0.30) YoY; adjusted net income $14.6M ($0.39 diluted).","Net interest margin improved to 2.85% from 2.70% YoY; efficiency ratio improved to 59.6%.","Non-performing loans to loans ratio fell to 0.64%; annualized net charge-offs only 0.04% of avg loans.","Restructured $23.8M of AFS securities, reinvested at ~260 bps higher yield; earn back ~2.2 years.","Opened commercial loan production office in Columbus; total assets $5.16B, deposits up $214.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-082078","json":"https://secwatch.observer/filing/0001193125-25-082078.json","markdown":"https://secwatch.observer/filing/0001193125-25-082078.md","text":"https://secwatch.observer/filing/0001193125-25-082078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000119312525082078/0001193125-25-082078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000119312525082078/d941398d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T14:03:39.673581+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"}