Every 8-K that FRMRS&MER BNCORP LODI CA (FMCB) 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 FMCB 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 FMCB filings page.
Farmers & Merchants Bancorp declared a higher quarterly cash dividend of $5.60 per share, a 4.7% increase from $5.35 in the prior quarter. The dividend is payable on October 1, 2026 to shareholders of record on September 11, 2026, and represents a 15.4% payout ratio.
Over the trailing twelve months, net income was $96.3 million and diluted EPS was $139.94, up 10.30% year over year. For the quarter ended June 30, 2026, the company reported record net income of $24.7 million and EPS of $36.39, with ROAA of 1.71%, ROAE of 14.84%, total assets of $5.8 billion, strong credit metrics, and total risk-based capital of 16.04%.
Farmers & Merchants Bancorp furnished an investor presentation providing a mid‑year 2026 update on its financial position and strategy. As of or year‑to‑date June 30, 2026, the bank reports assets of $5.8bn, ROA 1.70%, ROE 14.75%, NIM 4.22%, TCE 11.45% and RBC 16.04%.
The franchise serves Central California and the San Francisco Bay Area with 33 locations and a diversified commercial and agricultural lending focus. Loans are 55% fixed and 45% variable, with a loan‑to‑deposit ratio of 73.07% and a year‑to‑date cost of average total deposits of 1.19%. Credit quality metrics are strong, including non‑performing loans of $2.7 million, or 0.07% of total loans and leases, and an allowance for credit losses of $77.3 million, or 2.08%. The company highlights an average annual total shareholder return of 12.74% and dividend growth of 11.11% over 29 years, along with planned new branches in Walnut Creek, Lafayette, Elk Grove, Livingston and Lockeford.
Farmers & Merchants Bancorp reported record second‑quarter 2026 net income of $24.7 million, or $36.39 per diluted share, up 10.47% from $23.1 million, or $32.94, a year earlier. Six‑month net income was $48.8 million, up 5.95% year over year. ROA was 1.71% and ROE 14.84% for the quarter.
Net interest income rose to $57.4 million, and the net interest margin on a tax‑equivalent basis reached 4.22% for the first half of 2026, helped by a 3.71% yield on investment securities and lower deposit costs of 1.19%. Non‑interest expense increased to $28.1 million, including $0.9 million of non‑recurring professional fees, while the efficiency ratio was 45.1%.
Total assets were $5.8 billion at June 30, 2026, with loans of $3.7 billion and deposits of $5.1 billion, a 7.0% increase from June 30, 2025. Credit metrics remained strong, with net charge‑offs of $165,000 and an allowance for credit losses of $77.3 million, or 2.08% of loans. Capital ratios improved, with a total risk‑based capital ratio of 16.04% and tangible book value per share of $963.82, up 15.38% from a year earlier.
Farmers & Merchants Bancorp appointed Jehna Silva to its Board of Directors effective June 8, 2026, and she will leave her prior role as Vice President, Shareholder Relations. She will receive the company’s standard non-employee director compensation and serve on the CRA, Budget and Finance, and ALCO Committees.
The company highlights her 15+ years of commercial banking experience, including relationship banking, lending and risk mitigation, as well as her community board service. Farmers & Merchants Bancorp also reiterates its profile as a long-standing community bank with $5.8 billion in assets, 33 California locations, and a 91-year dividend payment history with 61 consecutive years of dividend increases.
Farmers & Merchants Bancorp reported results from its Annual Meeting of Stockholders held on May 11, 2026. A quorum of 397,812 shares, representing 57.40% of shares outstanding, was present. All seven director nominees were elected, each receiving substantially more votes for than withheld.
Stockholders also approved, on a non-binding advisory basis, the compensation of the company’s named executive officers as described in the 2025 proxy statement. The say‑on‑pay proposal received 362,155 votes for, or 91.04% of voted shares, with relatively few votes against or abstaining.
Farmers & Merchants Bancorp declared a higher quarterly cash dividend of $5.35 per share, up 4.9% from $5.10 in the prior quarter. The dividend is payable on July 1, 2026 to shareholders of record on June 12, 2026.
Over the trailing twelve months, cash dividends totaled $20.50 per share, compared with $18.60 a year earlier. Trailing twelve‑month net income was $94.7 million and diluted EPS was $136.49, up 10.7% from $123.32.
For the quarter ended March 31, 2026, the company posted record net income of $24.1 million, or $35.34 per diluted share, a 7.6% year‑over‑year increase. Annualized return on average assets was 1.68% and return on average equity was 14.69% on $5.8 billion of assets.
Credit quality remained strong, with an allowance for credit losses on loans and leases of 2.12% and a delinquency ratio of 0.01%. Capital levels were robust, including a common equity tier 1 ratio of 14.23% and total risk‑based capital ratio of 15.71%, keeping the bank well above “well‑capitalized” regulatory thresholds.
Farmers & Merchants Bancorp furnished an investor presentation updating its first quarter 2026 position and strategy. The bank reports assets of $5.8 billion as of March 31, 2026, with a net interest margin of 4.25%, return on assets of 1.68%, and return on equity of 14.69%.
Regulatory capital appears strong, with a risk-based capital ratio of 15.71% and tangible common equity of 11.05%. Credit quality metrics are highlighted, including allowance for credit losses of 2.12% of total loans and leases, very low net charge-offs, and non-performing loans at 0.02% of total loans and leases.
The presentation stresses long-term shareholder performance, citing a 12.74% average annual total shareholder return and 11.11% annual dividend growth over 29 years, alongside ongoing share repurchases. It also outlines planned new branch locations in California and emphasizes the bank’s long history in agricultural lending and its diversified loan portfolio.
Farmers & Merchants Bancorp reported record first‑quarter 2026 net income of $24.1 million, up from $23.0 million a year earlier, or $35.34 diluted EPS versus $32.86. The bank generated a strong 1.68% return on average assets and 14.69% return on average equity.
Over the last twelve months, diluted EPS rose to $136.49, up 10.68% year over year, while tangible book value per share increased 15.01% to $928.99. Credit quality remained excellent with only one non‑accrual loan of $730,000 and a 0.01% delinquency ratio.
Assets reached $5.8 billion with deposits of $5.1 billion and a 71.04% loan‑to‑deposit ratio. Capital ratios strengthened further, with total risk‑based capital at 15.71% and common equity tier 1 at 14.23%, well above regulatory “well‑capitalized” thresholds.
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 released a new investor presentation on February 2, 2026. The materials provide updates on the company’s financial position, business, and operations and are intended for use in investor communications and conferences. The presentation is furnished as Exhibit 99.1 to this report and is not deemed filed or incorporated by reference into other securities law filings unless expressly stated.
Farmers & Merchants Bancorp filed a current report stating that it issued a press release with its financial results for the full year of 2025. The company notes that this press release, dated February 2, 2026, is attached as an exhibit and incorporated by reference into the report.
Farmers & Merchants Bancorp announced that its Board of Directors has changed the record date for the company’s fourth quarter cash dividend. The record date, which determines which shareholders are entitled to receive the dividend, was moved from December 15, 2025 to December 4, 2025.
This update only affects timing of shareholder eligibility for the already-declared fourth quarter cash dividend and does not describe any change to the dividend type.
Farmers & Merchants Bancorp announced a temporary, voluntary odd-lot program that lets shareholders who owned 99 shares or less of FMCB common stock as of November 12, 2025 sell all of their shares without paying any fees. The company says the program is designed to give eligible holders a simple way to exit small positions and improve liquidity.
The announcement was made via press release, which is included as an exhibit. The filing does not discuss pricing, timing, or participation levels; it focuses on eligibility and the fee‑free nature of the sale for odd‑lot holders.
Farmers & Merchants Bancorp reported a routine corporate action: the Board of Directors declared a quarterly cash dividend. The company disclosed this on November 12, 2025 and furnished a press release as Exhibit 99, which is incorporated by reference.
The filing does not include additional operational updates or transactional changes. This announcement reflects the company’s ongoing practice of returning cash to shareholders through periodic dividends.
Farmers & Merchants Bancorp furnished an investor presentation via an 8-K. On October 28, 2025, the company released an updated deck covering its financial position, business, and operations, which management may use in investor communications and conferences. The presentation is attached as Exhibit 99.1.
The materials were furnished under Item 7.01 (Regulation FD) and, pursuant to General Instruction B.2, are not deemed “filed” under the Exchange Act and are not incorporated by reference unless expressly stated.
Farmers & Merchants Bancorp reported that it issued a press release covering financial results for the three and nine months ended September 30, 2025. The company furnished this update via a Form 8-K dated October 16, 2025.
The press release is attached as Exhibit 99 and is incorporated by reference. The filing also includes the Cover Page Interactive Data File as Exhibit 104.