---
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"
generated_at: "2026-05-23T14:03:39.673581+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers National Banc Corp reports Q1 net income $13.6M, EPS $0.36; adjusted EPS $0.39

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-082078
- JSON: https://secwatch.observer/filing/0001193125-25-082078.json
- Plain text: https://secwatch.observer/filing/0001193125-25-082078.txt

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