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 results for the 2025 fourth quarter and full year, with both earnings and profitability metrics improving. Fourth-quarter net income rose to $9.8 million, or $0.71 per share, up from $8.4 million, or $0.61 per share, a year earlier. For 2025, net income increased 28.4% to $33.3 million, or $2.43 per share, compared to $25.9 million, or $1.90 per share.
Net interest income after provision for credit losses grew to $102.2 million for 2025, up 19.3%, supported by a higher net interest margin of 3.28% versus 2.72% in 2024. Total loans, net grew 5.9% to $2.71 billion, deposits increased 1.6% to $2.73 billion, and total assets reached $3.43 billion.
Credit quality remained solid with net charge-offs to average loans at 0.03% for 2025, though nonperforming loans rose to 0.42% of total loans from 0.12%. Capital strengthened, as stockholders’ equity increased 10.6% to $370.9 million and the Tier 1 leverage ratio improved to 8.81%. The company raised its annual dividend for the 31st consecutive year, with 2025 cash dividends of $0.90 per share and a lower payout ratio of 36.67%.
Farmers & Merchants Bancorp, Inc. is launching a new stock repurchase program. On January 27, 2026, the board authorized the company to buy back up to 650,000 shares of its common stock, described as approximately 4.7% of shares outstanding.
The program runs from January 27, 2026 through December 31, 2026. Repurchases may be made in the open market or through privately negotiated transactions, giving the company flexibility in how it executes the buybacks.
Farmers & Merchants Bancorp, Inc. (FMAO) director Ian D. Boyce reported an open-market purchase. On 11/05/2025, he acquired 403.62 shares of common stock at $24.66 per share (Transaction Code: P).
Following the transaction, Boyce beneficially owns 2,563.21 shares, held directly. No derivative securities were reported in this filing.
Farmers & Merchants Bancorp, Inc. (FMAO) reported an insider transaction on a Form 4. A director purchased 150 shares of common stock on 10/31/2025 at a price of $23.37 per share.
Following the purchase, the director beneficially owns 2,159 shares held directly. This filing reflects a routine insider acquisition and does not include derivative transactions.
Farmers & Merchants Bancorp, Inc. (FMAO) director reported an open-market purchase. On 10/30/2025, the reporting person bought 2,329 shares of common stock at $23.42 per share (Transaction Code: P).
Following the transaction, the filing lists 32,165.6 shares held directly. It also shows indirect holdings of 4,118.41 shares by trust and 3,011.49 shares by spouse. No derivative securities were reported in Table II. The filing was signed by /s/ Melinda L. Gies, Attorney in Fact on 10/31/2025.
Farmers & Merchants Bancorp, Inc. (FMAO)$8.854 million from $6.516 million a year ago and diluted EPS increased to $0.64 from $0.48. Net interest income improved to $26.901 million from $21.589 million as loan yields and volumes supported growth, while total interest expense declined versus last year.
The balance sheet expanded modestly. Total assets reached $3.391 billion (from $3.365 billion at December 31, 2024). Loans, net were $2.633 billion (from $2.536 billion) and deposits were $2.752 billion (from $2.687 billion). Available‑for‑sale securities stood at $422.8 million. Accumulated other comprehensive loss improved to $(13.987) million from $(25.223) million.
Noninterest income was $4.357 million and noninterest expense was $19.739 million. The company declared a quarterly dividend of $0.2275 per share. Shares outstanding were 13,749,944 as of October 30, 2025.
Farmers & Merchants Bancorp, Inc. (FMAO) reported that it issued a press release announcing earnings for the three and nine months ended September 30, 2025. The company furnished this update via an 8-K under Item 2.02, with the full press release provided as Exhibit 99.
The filing lists FMAO’s common stock on the NASDAQ Capital Market and includes standard exhibit information. Investors can find detailed financial results and commentary in the attached press release.
David R. Gerken, Executive Vice President and Director of Farmers & Merchants Bancorp, Inc. (FMAO) reported a disposition of Common Stock on 08/23/2025. The filing shows 447 shares were sold at $26.75 per share to cover taxes related to 1,200 shares that vested under the company’s Long Term Incentive Plan in August 2025. After the reported transaction, Mr. Gerken beneficially owned 6,405 shares, held directly. The sale was executed by the company to satisfy federal, state and local tax withholding on the vested awards.
FMAO director and President & CEO Lars B. Eller reported a non-derivative transaction on 08/23/2025 where 1,767 shares were disposed at an average price of $26.75 per share. The filing shows 29,749 shares remained beneficially owned by Mr. Eller after the sale. The explanation states the company repurchased 1,767 shares to satisfy federal, state and local taxes on 4,000 vested shares issued under the companys Long Term Incentive Plan in August 2025.
This Form 4 is a single-person filing executed by an attorney-in-fact and documents a routine tax-withholding share repurchase following stock award vesting; the filing does not disclose any additional transactions or changes in ownership form.
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