---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-012964"
form_type: "8-K"
ticker: "FMNB"
cik: "0000709337"
company_name: "FARMERS NATIONAL BANC CORP /OH/"
filed_at: "2026-04-22T23:59:59+00:00"
generated_at: "2026-05-15T04:57:54.308427+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q1 EPS $0.36 ($0.45 adj); NIM expands to 3.12%; acquires Middlefield

## Summary
- Net income $16.3M ($0.36 GAAP EPS); adjusted EPS $0.45 excluding $4.0M acquisition/conversion costs.
- Net interest margin improved to 3.12% from 2.85% YoY; expects ~25 bps expansion in Q2 2026.
- Closed Middlefield Banc Corp. acquisition on March 2, 2026, adding $1.82B in assets and $1.49B in deposits.
- Total assets grew to $7.18B (+37% from Dec 2025); loans $4.75B; deposits $5.92B.
- Non-performing loans rose to $59.9M (1.25% of loans) due to acquired portfolio; provision recovery $1.0M.

## SEC filing metadata
- accession: 0001437749-26-012964
- form_type: 8-K
- ticker: FMNB
- cik: 0000709337
- company_name: FARMERS NATIONAL BANC CORP /OH/
- filed_at: 2026-04-22T23:59:59+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/709337/000143774926012964/0001437749-26-012964-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/709337/000143774926012964/fmnb20260421_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-012964
- JSON: https://secwatch.observer/filing/0001437749-26-012964.json
- Plain text: https://secwatch.observer/filing/0001437749-26-012964.txt

## Key facts
- Earnings Releases
  FARMERS NATIONAL BANC CORP /OH/ reported the first quarter of 2026 results: net income net income of $16.3 million, EPS $0.36 per diluted share.
  - Period: the first quarter of 2026
  - Net income: net income of $16.3 million
  - EPS: $0.36 per diluted share
  - Result: reported results
  source text: Farmers National Banc Corp. (“Farmers” or the “Company”) (NASDAQ: FMNB) reported net income of $16.3 million, or $0.36 per diluted share, for the first quarter of 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/709337/000143774926012964/0001437749-26-012964-index.htm

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