Farmers & Merchants director granted 386 shares

A director received a quarterly stock award in FMAO, modestly increasing his direct common stock holdings.

Rhea-AI Filing Summary

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

FARMERS & MERCHANTS BANCORP INC (FMAO) reported that director Simon R. Frank received a grant of 386 shares of Common Stock on September 18, 2026, as a stock award. The shares were valued at $35.67 per share for reporting purposes and represent his compensation for July, August, and September 2026. Following this award, he directly holds 3,651 shares of the company’s common stock. No Rule 10b5-1 trading plan is reported for this award.

Insider Trade Summary

Grant/Award: 386 shares

Grant/Award 1 txn

Insider FRANK SIMON R.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	386	$35.67	$14K

Holdings After Transaction: Common Stock — 3,651 shares (Direct)

Footnotes (1)

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

Key Figures

Shares granted: 386 shares Reported grant value per share: $35.67 per share Total direct holdings after award: 3,651 shares

3 metrics

Shares granted 386 shares Director stock award on September 18, 2026

Reported grant value per share $35.67 per share Common Stock award to director

Total direct holdings after award 3,651 shares Director’s direct ownership following the September 18, 2026 grant

Key Terms

Common Stock, Director's compensation, Rule 10b5-1 trading plan

3 terms

Common Stock financial

"received a grant of 386 shares of Common Stock on September 18, 2026"

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.

Director's compensation financial

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

Rule 10b5-1 trading plan regulatory

"No Rule 10b5-1 trading plan is reported for this award"

A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.

FAQ

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

What insider transaction did FMAO disclose for director Simon R. Frank?

FARMERS & MERCHANTS BANCORP INC disclosed that director Simon R. Frank received 386 shares of Common Stock on September 18, 2026, as a stock award representing his compensation for July, August, and September 2026.

How many FMAO shares did the director acquire and at what reported value?

The director acquired 386 shares of FARMERS & MERCHANTS BANCORP INC Common Stock, with a reported value of $35.67 per share for this grant.

What are Simon R. Frank’s total FMAO holdings after this Form 4 transaction?

After the reported grant, Simon R. Frank directly holds 3,651 shares of FARMERS & MERCHANTS BANCORP INC Common Stock.

Was the FMAO director’s stock award part of a Rule 10b5-1 trading plan?

No. The filing indicates that no Rule 10b5-1 trading plan is associated with this stock award to the director.

What period of service does the FMAO stock grant compensate the director for?

According to the footnote, the 386-share stock grant represents all of the director’s compensation for July, August, and September 2026.

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

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 09/21/2026 - 05:44 PM Accepted by SEC EDGAR 09/21/2026 - 05:44 PM Learn about SEC filing dates

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^*

FRANK SIMON R.

(Last) (First) (Middle)

2950 WALNUT LAKE RD

(Street)

WEST BLOOMFIELD MICHIGAN 48323

(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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/18/2026		A		386(1)	A	$35.67	3,651	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

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)