Welcome to our dedicated page for Farmers & Merchants Bancorp In SEC filings (Ticker: FMAO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Farmers & Merchants Bancorp, Inc. (NASDAQ: FMAO) is an Ohio-incorporated financial holding company and parent of The Farmers & Merchants State Bank. As an SEC registrant under Commission File Number 001-38084, it provides a range of regulatory filings that document its financial condition, governance and material events. This page brings those filings together with AI-powered tools to help interpret the information.
Investors can review current reports on Form 8-K, where Farmers & Merchants Bancorp, Inc. discloses quarterly and year-to-date earnings, including consolidated net income, net interest income, loan and deposit balances, asset quality indicators and capital ratios. Some 8-K filings also furnish investor presentation materials under Regulation FD, and report board changes such as the appointment of new directors and related compensation details.
In addition to 8-Ks, the company references its annual reports on Form 10-K and quarterly reports on Form 10-Q in safe harbor statements. These periodic reports, accessible via EDGAR, provide more extensive detail on the bank’s commercial and retail banking activities, loan portfolio composition, credit risk management, use of non-GAAP financial measures and other disclosures relevant to a savings institution and community bank.
On this page, real-time updates from the SEC’s EDGAR system are combined with AI-generated summaries that explain key sections of lengthy filings. The platform highlights important items in 10-K and 10-Q reports, clarifies terminology and points out changes across reporting periods. Users can also access information related to governance and potential insider activity through forms such as Form 4 when available. This helps readers quickly understand how Farmers & Merchants Bancorp, Inc.’s regulatory disclosures relate to its profitability, capital position, loan quality and community-banking strategy.
Farmers & Merchants Bancorp, Inc. reported stronger quarterly results for the three months ended March 31, 2026. Net income rose to $9.6M from $7.0M a year earlier, and basic and diluted earnings per share increased to $0.70 from $0.51.
Net interest income after provision for credit losses grew to $27.1M from $23.4M, supported by higher noninterest income of $5.0M versus $4.2M. Noninterest expense increased to $19.8M, reflecting higher salaries, data processing, and servicing-related costs.
Total assets reached $3.49B, up from $3.43B at year-end, as cash and cash equivalents climbed to $173.5M. Loans, net of allowance, were $2.65B, modestly below $2.69B, while deposits increased to $2.81B. Comprehensive income declined to $7.9M from $12.1M, mainly due to a swing to other comprehensive loss on available-for-sale securities.
Farmers & Merchants Bancorp, Inc. reported strong first-quarter 2026 results, with net income rising 37.8% year-over-year to $9.6 million, or $0.70 per share, a first-quarter record. Profitability improved as return on average assets reached 1.14%, up from 0.85%, supported by a 39-basis point increase in net interest margin to 3.42% and a better cost of interest-bearing liabilities at 2.54% versus 2.76%.
Total loans grew 3.9% year-over-year to $2.68 billion and deposits rose 4.1% to $2.81 billion, while net charge-offs to average loans stayed very low at 0.01%. Credit quality remains solid despite nonperforming loans increasing to $11.1 million, or 0.42% of total loans, compared with 0.17% a year earlier.
Capital strengthened, with total stockholders’ equity up 9.1% to $375.9 million and the Tier 1 leverage ratio at 9.02%. Tangible book value per share increased to $20.76, and the annualized dividend was raised 4.0% to $0.92 per share, marking 31 consecutive years of dividend increases.
Farmers & Merchants Bancorp, Inc. held its annual shareholder meeting on April 20, 2026. Shareholders elected eleven directors, including Lars B. Eller and Kevin J. Sauder, to serve until the 2027 annual meeting.
Shareholders also approved the company’s executive compensation programs in an advisory vote, with 6,331,864 votes for, 372,945 against, and 188,775 abstentions, and ratified the appointment of Plante Moran, PLLC as independent auditor for the fiscal year ending December 31, 2026.
Farmers & Merchants Bancorp Inc. Chief Risk Officer Eric D. Faust reported an open-market sale of 1,148 shares of common stock at $25.16 per share. After this transaction, he directly holds 5,538 shares, indicating he retains a meaningful equity stake in the company.
Farmers & Merchants Bancorp, Inc. is holding a fully virtual 2026 annual shareholder meeting on April 20, 2026, with a record date of February 27, 2026. Shareholders will vote on electing 11 directors, an advisory Say-on-Pay resolution, and an advisory vote on the appointment of Plante Moran, PLLC as independent auditor.
The company has 13,748,074 common shares outstanding as of January 1, 2026, and requires a 33 1/3% quorum. Directors are elected by plurality, while the compensation and auditor proposals require a majority of votes cast. No shareholder owns more than 5% of outstanding shares, and directors and named executive officers as a group hold 521,653 shares or 3.794% of common stock.
The proxy details an independent board structure with separate Chair and CEO roles, four key committees, and robust risk, compliance, IT, and vendor-management frameworks. The Audit Committee, led by a designated financial expert, recommends including the 2025 audited financial statements in the Form 10-K and supports retaining Plante Moran, which billed $461,046 for 2025 audit and related services.
FARMERS & MERCHANTS BANCORP INC SVP/Chief Strategy Officer Andrew S. Baker reported routine equity compensation activity. He received a grant of 1,722 shares of Common Stock at $25.86 per share under the company’s Long-Term Stock Incentive Plan.
On the same date, 90 shares were repurchased by the company to cover federal, state, and local taxes on 1,300 vested shares from prior stock awards. After these transactions, Baker directly holds 7,819 shares of Common Stock. The filing reflects compensation and tax withholding mechanics rather than open-market trading.
FARMERS & MERCHANTS BANCORP INC executive Andrew S. Baker, the SVP/Chief Strategy Officer, reports his holdings of common stock. He shows ownership of 6187 shares held directly. According to the footnote, these shares were acquired through stock awards granted under the company's Long-Term Stock Incentive Plan.
Singhal Shalini reported acquisition or exercise transactions in this Form 4 filing.
Farmers & Merchants Bancorp SVP/Chief Information Officer Shalini Singhal received a grant of 1,620 shares of common stock under the company’s Long-Term Stock Incentive Plan at a reported price of $25.86 per share. Following this award, Singhal directly owns 8,949 common shares.
FARMERS & MERCHANTS BANCORP INC Chief Risk Officer Eric D. Faust reported acquiring 2,226 shares of common stock on a grant or award basis at a price of $25.86 per share. These stock awards were issued under the company’s Long-Term Stock Incentive Plan, bringing his direct holdings to 6,686 shares.