Farmers & Merchants director granted 403 shares

Q: What insider transaction did FMAO disclose in this Form 4?

The filing reports that director Lori Ann Johnston received an award of 403 shares of Common Stock on September 18, 2026 as part of her director compensation for July, August, and September 2026.

Q: How many FMAO shares does Lori Ann Johnston own after this transaction?

After the September 18, 2026 award, director Lori Ann Johnston is reported to directly own 3,820 shares of FARMERS & MERCHANTS BANCORP INC common stock.

Q: Is the reported FMAO transaction a purchase or a grant of shares?

The transaction is a grant or award acquisition of 403 shares of Common Stock as director compensation, not an open-market purchase or sale. It represents all of Lori Ann Johnston’s compensation for July, August, and September 2026.

Q: Was the FMAO director’s stock award made under a Rule 10b5-1 plan?

No. The Form 4 indicates the Rule 10b5-1 checkbox is not affirmed, and the footnote describes the award as director compensation for July, August, and September 2026, rather than as part of a pre-arranged trading plan.

Q: What role does Lori Ann Johnston have at FARMERS & MERCHANTS BANCORP INC (FMAO)?

Lori Ann Johnston is reported as a director of FARMERS & MERCHANTS BANCORP INC. The 403-share Common Stock award represents her director’s compensation for the months of July, August, and September 2026.

Form 4 shows a quarterly stock grant to a director of FARMERS & MERCHANTS BANCORP INC, increasing her direct holdings.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

FARMERS & MERCHANTS BANCORP INC (symbol: FMAO) is the issuer of record for a Form 4 filing submitted to the SEC. Johnston Lori Ann reported acquisition or exercise transactions in this Form 4 filing.

FARMERS & MERCHANTS BANCORP INC (FMAO) reported that director Lori Ann Johnston received a grant of 403 shares of Common Stock on September 18, 2026 as compensation for her board service for July, August, and September 2026. Following this award, she directly holds 3,820 shares of FMAO common stock.

Insider Trade Summary

Grant/Award: 403 shares

Grant/Award 1 txn

Insider Johnston Lori Ann

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock ^F1	403	$35.67	$14K

Holdings After Transaction: Common Stock — 3,820 shares (Direct)

Footnotes (1)

F1. Represents all of this Director's compensation for July, August, & September 2026.

Key Figures

Shares granted: 403 shares Grant value per share: $35.67 per share Shares owned after transaction: 3,820 shares

3 metrics

Shares granted 403 shares Director stock award on September 18, 2026

Grant value per share $35.67 per share Reported price for the 403-share Common Stock award

Shares owned after transaction 3,820 shares Director Lori Ann Johnston’s direct holdings following the grant

Key Terms

Grant, award, or other acquisition, Common Stock, Rule 10b5-1, director's compensation

4 terms

Grant, award, or other acquisition financial

"transaction described as a Grant, award, or other acquisition of shares"

Common Stock financial

"security title reported as Common Stock in the insider transaction"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Rule 10b5-1 regulatory

"document-level Rule 10b5-1 checkbox indicates no trading plan affirmed"

Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.

director's compensation financial

"footnote states it represents all of this Director's compensation"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did FMAO disclose in this Form 4?

The filing reports that director Lori Ann Johnston received an award of 403 shares of Common Stock on September 18, 2026 as part of her director compensation for July, August, and September 2026.

At what price was the FMAO director stock grant reported?

The 403-share award to director Lori Ann Johnston was reported at $35.67 per share, reflecting the value of the Common Stock used to compensate her for the July–September 2026 board service period.

How many FMAO shares does Lori Ann Johnston own after this transaction?

After the September 18, 2026 award, director Lori Ann Johnston is reported to directly own 3,820 shares of FARMERS & MERCHANTS BANCORP INC common stock.

Is the reported FMAO transaction a purchase or a grant of shares?

The transaction is a grant or award acquisition of 403 shares of Common Stock as director compensation, not an open-market purchase or sale. It represents all of Lori Ann Johnston’s compensation for July, August, and September 2026.

Was the FMAO director’s stock award made under a Rule 10b5-1 plan?

No. The Form 4 indicates the Rule 10b5-1 checkbox is not affirmed, and the footnote describes the award as director compensation for July, August, and September 2026, rather than as part of a pre-arranged trading plan.

What role does Lori Ann Johnston have at FARMERS & MERCHANTS BANCORP INC (FMAO)?

Lori Ann Johnston is reported as a director of FARMERS & MERCHANTS BANCORP INC. The 403-share Common Stock award represents her director’s compensation for the months of July, August, and September 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/21/2026 - 05:06 PM Accepted by SEC EDGAR 09/21/2026 - 05:06 PM

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Johnston Lori Ann

(Last)

(First)

(Middle)

10410 S RIVER ROAD

(Street)

GRAND RAPIDS

OHIO

43522

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
FARMERS & MERCHANTS BANCORP INC [ FMAO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/18/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	09/18/2026		A		403⁽¹⁾	A	$35.67	3,820	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Represents all of this Director's compensation for July, August, & September 2026.

	/s/Melinda L. Gies// Attorney in Fact	09/21/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

Farmers & Merchants director granted 403 shares

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