---
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"
generated_at: "2026-07-22T12:10:05.890662+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers National Q2 2026 EPS $0.39 ($0.41 adj); NIM expands to 3.44%; NPLs down 25%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024042
- JSON: https://secwatch.observer/filing/0001437749-26-024042.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024042.txt

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