Welcome to our dedicated page for Farmers Merchant SEC filings (Ticker: FMCB), 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 SEC filings page for Farmers & Merchants Bancorp (FMCB) provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. Farmers & Merchants Bancorp is the parent company of Farmers & Merchants Bank of Central California, a community bank founded in 1916 that operates in California and trades on the OTCQX under the symbol FMCB.
Through this page, users can review current and historical filings such as Form 8-K reports, which the company uses to announce material events. Recent 8-K filings have covered topics including the declaration and amendment of record dates for cash dividends, the introduction of a special voluntary program for shareholders with smaller holdings, the release of quarterly financial results, and the publication of investor presentations.
Investors interested in FMCB’s financial condition can look to the company’s periodic reports, which typically include details on net interest income, earnings, capital ratios, asset quality, and liquidity. These filings also document the company’s statements about maintaining capital levels above "well-capitalized" regulatory thresholds and its use of share repurchase programs and dividend policies as elements of capital management.
On Stock Titan, SEC documents for FMCB are paired with AI-powered summaries that highlight key points from lengthy filings. This can help readers quickly identify information on topics such as dividend declarations, changes in dividend frequency, special shareholder programs, and updates on financial performance. Users can also monitor new Form 8-K filings and other submissions as they are made available through the SEC’s EDGAR system, while using the summaries to better understand the implications of each disclosure.
FARMERS & MERCHANTS BANCORP reports beneficial ownership by Farmers & Merchants Bank of Central California of 1,073 shares representing 0.15% of common stock as of 12/31/2025.
The filing lists three filing entities: Farmers & Merchants Bank of Central California (1,073 shares with shared voting and shared dispositive power), Farmers & Merchants Bancorp Executive Retirement Plan Trust (0 shares), and Farmers & Merchants Bancorp Senior Management Retention Plan Trust (1,073 shares with shared voting and dispositive power). The disclosure states ownership falls under the “5 percent or less” category.
SANGUINETTI KEVIN reported acquisition or exercise transactions in this Form 4 filing.
Farmers & Merchants Bancorp director Kevin Sanguinetti reported an equity award in company stock. On February 10, 2026, he was granted a restricted stock award of 136 shares of common stock, which vests after one year. Following this award, he directly owned 1,088 shares of common stock. As of the same date, additional indirect holdings were reported, including 3,921 shares held in a personal trust, 2,250 shares held by an LLC, and 727 shares held by his spouse, reflecting various forms of beneficial ownership rather than new open-market transactions.
Farmers & Merchants Bancorp declared a quarterly cash dividend of $5.10 per share, slightly higher than the prior $5.05 dividend paid on January 2, 2026. The dividend will be paid on April 1, 2026 to shareholders of record on March 11, 2026.
The company reported record 2025 net income of $93.6 million, up from $88.5 million in 2024. Diluted earnings per share were $133.96, a 10.7% increase from $121.02 a year earlier. 2025 cash dividends totaled $19.35 per share, up 6.9% from $18.10 in 2024. Return on average assets was 1.67% and return on average equity was 15.11% for 2025, with year-end total assets of $5.7 billion.
Credit quality remained strong, with an allowance for credit losses on loans and leases of 2.08%, a net charge-off ratio of 0.05%, and a non-accrual loans and leases ratio of 0.02% as of December 31, 2025. Regulatory capital was solid, including a common equity tier 1 ratio of 13.81% and a total risk-based capital ratio of 15.29%, and all F&M Bank capital ratios exceeded the threshold to be considered well-capitalized.
Farmers & Merchants Bancorp’s President and CEO Kent A. Steinwert reported a routine tax-related share transaction. On 02/04/2026, he surrendered 2,344 shares of common stock back to the company to cover tax withholding triggered by the release of 4,340 restricted shares.
After this transaction, he directly held 7,446 common shares. He also had indirect beneficial ownership of 5 shares held as custodian for a minor child, 3,108 shares held in a trust, and 19,000 shares held by an LLC.
Farmers & Merchants Bancorp Executive Vice President Bart R. Olson reported a routine tax-related share surrender. On February 4, 2026, he surrendered 448 shares of common stock to the company to cover tax withholding tied to the release of 1,114 restricted shares, using a reference price of $1,160 per share based on the February 3, 2026 market close. After this transaction, he directly owned 1,974 shares and indirectly held 690 shares in a family trust.
Farmers & Merchants Bancorp executive vice president Bennett Thomas reported a tax-related share surrender on Form 4. On February 4, 2026, he surrendered 95 shares of common stock to the company to cover tax withholding on the release of 242 restricted shares.
The value used for this withholding was based on the $1,160 market closing price on February 3, 2026. After this transaction, Thomas directly beneficially owned 442 shares of FMCB common stock. The footnotes also note that shares previously held indirectly through the company’s Non-Qualified Executive Retirement Plans were distributed by the plan trustees on December 10, 2025 for no consideration.
Farmers & Merchants Bancorp executive handles tax withholding with shares
Executive Vice President Misasi J. Ryan surrendered 464 shares of Farmers & Merchants Bancorp common stock to the company on 02/04/2026 to satisfy tax withholding due on the release of 1,114 restricted shares. The surrender price used was the market closing price of $1,160 per share on 02/03/2026.
After this transaction, Ryan directly held 1,958 common shares, with an additional 60 shares held indirectly by a spouse and 2,935 shares held indirectly in a family trust.
Farmers & Merchants Bancorp Executive Vice President David Zitterow reported a routine share surrender related to equity compensation. On 2/4/2026, he surrendered 162 shares of common stock back to the company to satisfy tax withholding on the release of 436 restricted shares.
After this withholding transaction, Zitterow directly holds 2,422 shares of Farmers & Merchants Bancorp common stock. The filing reflects an administrative tax event rather than an open‑market purchase or sale.
Farmers & Merchants Bancorp executive reports tax-withholding share surrender
Executive Vice President John W. Weubbe reported surrendering 144 shares of Farmers & Merchants Bancorp common stock on February 4, 2026, coded as an "F" transaction. The shares were turned over to the company to cover tax withholding tied to the release of 387 restricted shares, using a reference price of $1,160 per share.
After this transaction, Weubbe directly owned 630 common shares. In addition, 625 common shares were held indirectly in a family trust.
Farmers & Merchants Bancorp Executive Vice President Harper Troy reported a tax-related share surrender. On February 4, 2026, Troy surrendered 102 shares of common stock back to the company to cover tax withholding triggered by the release of 266 restricted shares. The price used for this withholding was $1,160 per share, based on the market closing price on February 3, 2026. After this transaction, Troy directly beneficially owns 526 shares of Farmers & Merchants Bancorp common stock.