{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023282","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.200329+00:00","generated_at":"2026-05-18T03:50:08.100817+00:00","sec_items":["2.02","7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Farmers National Q2 net income $13.9M ($0.37/dil), up 18% YoY; NIM 2.91%","bullets":["Net income $13.9M, $0.37 diluted EPS vs $11.8M, $0.31 in Q2 2024.","Net interest margin improved to 2.91% from 2.71% YoY; efficiency ratio 56.7% vs 60.8%.","Loans grew $52M (6.4% annualized); commercial loans up $43.6M (8.8% annualized).","Nonperforming loans rose to $27.8M (0.84%) from $20.7M; two Pittsburgh CRE loans $10.2M with $2.6M specific reserves.","Provision for credit losses increased to $3.5M from $1.1M YoY, driven by specific reserves on two NPLs."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023282","json":"https://secwatch.observer/filing/0001437749-25-023282.json","markdown":"https://secwatch.observer/filing/0001437749-25-023282.md","text":"https://secwatch.observer/filing/0001437749-25-023282.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000143774925023282/0001437749-25-023282-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000143774925023282/fmnb20250717_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:50:08.100817+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"}