{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-024042","form_type":"8-K","ticker":"FMNB","cik":"0000709337","company_name":"FARMERS NATIONAL BANC CORP /OH/","filed_at":"2026-07-22T12:05:26+00:00","discovered_at":"2026-07-22T12:10:00.367821+00:00","generated_at":"2026-07-22T12:10:05.890662+00:00","sec_items":["2.02","7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Farmers National Q2 2026 EPS $0.39 ($0.41 adj); NIM expands to 3.44%; NPLs down 25%","bullets":["Net income $23.0M ($0.39 diluted); adjusted net income $24.4M ($0.41) excluding $1.7M acquisition costs.","Net interest margin improved to 3.44% from 2.91% YoY; guided Q3 NIM 3.34%-3.37%.","Commercial loan fundings $175M in Q2, up 181% QoQ; unfunded commitments grew 9%.","Non-performing loans fell $15.2M (25.4%) to $44.6M; NPL ratio 0.93% from 1.25%.","Middlefield acquisition added $1.82B assets; core conversion on track for late Q3 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-024042","json":"https://secwatch.observer/filing/0001437749-26-024042.json","markdown":"https://secwatch.observer/filing/0001437749-26-024042.md","text":"https://secwatch.observer/filing/0001437749-26-024042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/709337/000143774926024042/0001437749-26-024042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/709337/000143774926024042/fmnb20260716_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T12:10:05.890662+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"}