---
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"
generated_at: "2026-05-18T03:50:08.100817+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q2 net income $13.9M ($0.37/dil), up 18% YoY; NIM 2.91%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023282
- JSON: https://secwatch.observer/filing/0001437749-25-023282.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023282.txt

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