Flash FinanceUS
Market closed S&P 5007,549.94+2.35% Nasdaq25,253.14+2.74% Dow 3052,389.75+2.15% Russell 20002,840.81+3.15% Nasdaq-10027,907.62+3.40% MidCap 4003,715.23+3.13% SmallCap 6001,722.37+2.89% VIX19.92-22.31% 10Y Yield4.86+0.10% Close of Nov 09, 2026
AI brief of an SEC Form 8-K · FARMERS NATIONAL BANC CORP /OH/ (FMNB)

Farmers National Banc Q2 net income $23.0 million, EPS $0.39 vs $0.37 a year earlier

Positive Impact 3 of 5 earnings Written later

Farmers National Banc Corp. reported second-quarter 2026 net income of $23.0 million, or $0.39 per diluted share, up from $13.9 million, or $0.37, in the second quarter of 2025. The company said results include $1.7 million of acquisition and core conversion costs, and that adjusted EPS excluding those items was $0.41 (non-GAAP); the increase reflects the March 2026 Middlefield Banc Corp. acquisition, which also raised shares outstanding to 59.2 million from 37.6 million a year earlier.

Key points

  • Net interest margin rose to 3.44% from 2.91% a year earlier, but the company expects it to settle at about 3.34% to 3.37% in the third quarter of 2026
  • Non-performing loans fell to $44.6 million at June 30, 2026, from $59.9 million at March 31, 2026
  • Annualized net charge-offs were 0.30% of average loans, compared with 0.07% in the second quarter of 2025
  • Core technology conversion is expected to be completed in August 2026, late in the third quarter

The filing

CompanyFARMERS NATIONAL BANC CORP /OH/ (FMNB)
Form8-K, current report
Filed with the SECJul 22, 2026, 8:05 AM ET
Accession number0001437749-26-024042

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.