Every 8-K that Farmers & Merchants Bancorp, Inc. (FMAO) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow FMAO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FMAO filings page.
Farmers & Merchants Bancorp, Inc. reported record second-quarter 2026 results, with net income of $11.8 million, or $0.86 per share, up 53.0% from $7.7 million a year earlier. First-half 2026 net income was $21.4 million, compared with $14.7 million in the prior-year period.
Profitability strengthened as return on average assets reached 1.34% and return on average equity was 12.37%. Net interest margin rose by 26 basis points year over year to 3.48%, while the efficiency ratio improved to 56.08% from 64.93%.
At June 30, 2026, deposits were $2.87 billion, up 5.9% year over year, and total loans, net were $2.70 billion, up 3.0%. Asset quality remained solid, with nonperforming loans at 0.27% of total loans and net charge-offs to average loans at 0.00% for the quarter. Stockholders’ equity increased 9.7% to $384.7 million, tangible book value per share rose to $21.41, and the company declared cash dividends of $0.46 per share for the first half, a 4.0% increase.
Farmers & Merchants Bancorp, Inc. appointed Gregory R. Allen to fill an open vacancy on its Board of Directors effective with his first meeting on September 29, 2026. He will receive compensation consistent with other non-employee directors under the Company’s 2026 fee structure.
For 2026, the Board Chairman receives a cash retainer of $75,000 per year, Board Committee Chairs $55,000, the Board Audit Committee Chair $57,500, and non-committee Chairs $50,000. Each director was also awarded shares equal to $17,500 under the Long-Term Stock Incentive Plan adopted in 2025, with share awards prorated based on service during the calendar year.
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. 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) 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.
Farmers & Merchants Bancorp (NASDAQ:FMAO) announced the appointment of Ahmed Alomari to the Board of Directors of both the Company and its subsidiary, The Farmers & Merchants State Bank, effective July 29, 2025.
As a non-employee director, Mr. Alomari will receive standard board compensation including a $50,000 annual cash retainer and $17,500 in Company stock under the Long-Term Incentive Plan. The specific board committees he will serve on have not yet been determined.
The filing confirms no reportable transactions exceeding $120,000 between Mr. Alomari or his immediate family and the Company, and no family relationships with any director or executive officer.