secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS NATIONAL BANC CORP /OH/ (FMNB)
CIK:        0000709337
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001437749-26-002244
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Farmers National Q4 net income $14.6M ($0.39); NIM expands to 3.05%
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/709337/000143774926002244/0001437749-26-002244-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/709337/000143774926002244/fmnb20260115_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-002244

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer