Welcome to our dedicated page for Farmers & Merchants Bk Md SEC filings (Ticker: FMFG), 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.
The Farmers and Merchants Bancshares, Inc. (FMFG) SEC filings page provides access to the company’s public reports as a financial holding company in the commercial banking industry. Farmers and Merchants Bancshares, Inc. is the parent of Farmers and Merchants Bank, which serves the deposit and financing needs of consumers and businesses in Carroll and Baltimore Counties in Maryland.
Through this page, users can review current reports on Form 8-K that the company files with the U.S. Securities and Exchange Commission. Recent 8-K filings have addressed topics such as dividend declarations on the common stock, earnings results for specific reporting periods, and the issuance of fixed-to-floating rate subordinated notes intended to qualify as Tier 2 capital and to repay an existing term loan.
In addition to 8-Ks, investors can consult the company’s periodic reports referenced in its disclosures, which include sections like “Risk Factors” that describe risks and uncertainties affecting operations. These filings discuss areas such as net interest income, provisions for credit losses, loan and deposit balances, securities portfolios, and regulatory capital considerations, all of which are central to understanding a commercial banking organization.
This SEC filings page is integrated with AI-powered tools that summarize and highlight key points from lengthy documents. Users can quickly identify the main items in quarterly and annual reports, as well as in specialized filings covering capital instruments, stockholder rights plans, or registration statements related to offerings such as a dividend reinvestment plan. The platform also surfaces relevant exhibits, such as forms of subordinated notes and purchase agreements, to help users see the underlying contractual terms.
For those tracking FMFG, this page offers a structured view of the company’s regulatory reporting history, from material event disclosures to capital and governance-related filings.
Farmers and Merchants Bancshares, Inc. will hold its 2026 annual stockholder meeting on April 28, 2026, in Upperco, Maryland. Holders of 3,235,707 shares of common stock as of February 13, 2026 may vote.
Stockholders are asked to elect two Class IV directors, Robert G. Pollokoff and Teresa L. Smack, approve on a non-binding basis the compensation paid to named executive officers for 2025, and ratify Yount, Hyde & Barbour, P.C. as independent registered public accounting firm for 2026. The board recommends voting FOR all three proposals.
The proxy also details board structure, committee memberships, director independence, executive and director compensation, including a 2025 total of $503,907 for President and CEO Gary A. Harris, as well as benefit and retirement arrangements and related-party banking relationships conducted on market terms.
Farmers and Merchants Bancshares, Inc., a Maryland-based financial holding company, outlines its community banking-focused model centered on Farmers and Merchants Bank. At December 31, 2025, consolidated assets were about $872.0 million with stockholders’ equity of $64.7 million.
The Bank operates seven full-service branches, a satellite branch, and a loan production office in Maryland, offering a mix of commercial and consumer loans, deposits, and digital services. At year-end 2025, deposits were $720.5 million, net loans were $633.1 million, and its investment securities portfolio totaled $139.8 million.
The filing describes a concentrated Maryland real estate lending footprint, regulatory capital expectations, FDIC insurance costs, cybersecurity and BSA/AML compliance, and the structure and tax-sensitive nature of a captive insurance subsidiary. It also highlights ongoing IRS audits related to that subsidiary and a broad set of operational, interest rate, competition, technology, and regulatory risks.
Farmers and Merchants Bancshares, Inc. filed a current report to note that it has issued a press release describing its financial results for the three- and twelve-month periods ended December 31, 2025. The press release is provided as Exhibit 99.1 and is furnished, rather than filed, under securities law rules.
The report clarifies that this earnings information is not automatically incorporated into other securities filings unless specifically referenced. Additional exhibits include an interactive data file associated with the cover page of the Inline XBRL document.
Farmers & Merchants Bancshares, Inc. executive vice president Barry Luciani reported an equity award tied to the company’s common stock. On January 21, 2026, he acquired 1,200 shares at a price of $0 per share, leaving him with 1,416 shares beneficially owned directly.
The filing explains this amount represents restricted stock units that are payable only in shares of common stock. These units will vest in equal installments over a three‑year period beginning January 21, 2026, as long as he remains employed by the company or an affiliate on each vesting date.
Farmers & Merchants Bancshares, Inc. insider activity: Board advisor Mark C. Krebs acquired 265 shares of the company’s stock on 01/08/2026 at a price of $17.02 per share. Following this purchase, he directly owns 7,700.853 shares. This filing reflects an increase in his personal stake in Farmers & Merchants Bancshares, Inc.
Farmers & Merchants Bancshares, Inc. director Ronald W. Hux reported acquiring additional common stock of the company. On January 8, 2026, he acquired 800 shares of FMFG at a price of $17.02 per share. Following this transaction, he directly beneficially owns 39,207.504 shares of the company’s stock.
Farmers & Merchants Bancshares, Inc. director Robert G. Pollokoff reported acquiring 823 FMFG common shares on January 8, 2026 at a price of $17.02 per share. After this transaction, he directly beneficially owned 2,282.046 shares of the company’s stock.
Farmers & Merchants Bancshares, Inc. director Teresa L. Smack reported a purchase of the company’s common stock. On 01/08/2026, she acquired 827 shares of FMFG at a price of $17.02 per share. Following this transaction, she beneficially owns 8,378.401 shares of the issuer’s stock in direct ownership form.
Farmers & Merchants Bancshares, Inc. director Bruce L. Schindler reported acquiring additional common stock of the company. On 01/08/2026, he acquired 2,287 shares of FMFG at a price of $17.02 per share. Following this transaction, he beneficially owned 105,065.793 FMFG shares in total, held in direct ownership. This filing reflects an increase in his personal equity stake as a board member.
Farmers & Merchants Bancshares, Inc. director Emily Bollinger Miller reported acquiring additional common shares of the company. On January 8, 2026, she acquired 910 FMFG shares at a price of $17.02 per share. Following this transaction, she beneficially owns 2,886.247 FMFG shares, held in direct ownership. This filing reflects an increase in her personal equity stake in the bank.