{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002244","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.510408+00:00","generated_at":"2026-05-16T07:12:57.048478+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 Q4 net income $14.6M ($0.39); NIM expands to 3.05%","bullets":["Q4 net income $14.6M ($0.39 diluted EPS); adjusted $15.1M ($0.40); vs $14.4M ($0.38) Q4 2024.","Net interest margin improved to 3.05% from 2.72% YoY; funding costs declined as Fed cut rates.","Nonperforming loans fell to $26.2M from $35.3M QoQ; charge-offs of $2.5M on one loan.","Merger with Middlefield Banc Corp., announced Oct 2025, expected to close in Q1 2026.","Customer deposit growth $151M (3.6%) in 2025; efficiency ratio 57.11%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002244","json":"https://secwatch.observer/filing/0001437749-26-002244.json","markdown":"https://secwatch.observer/filing/0001437749-26-002244.md","text":"https://secwatch.observer/filing/0001437749-26-002244.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000143774926002244/0001437749-26-002244-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000143774926002244/fmnb20260115_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:12:57.048478+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"}