secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS NATIONAL BANC CORP /OH/ (FMNB)
CIK:        0000709337
Form:       8-K
Filed at:   2026-07-22T12:05:26+00:00
Accession:  0001437749-26-024042
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/709337/000143774926024042/0001437749-26-024042-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/709337/000143774926024042/fmnb20260716_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-024042

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