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Farmers & Merchants Bancorp reported solid Q3 performance. Net income was $23.7 million, up from $22.1 million a year ago, as net interest income rose to $55.4 million from $52.0 million. The company recorded a $0.7 million provision for credit losses and net charge-offs of $0.9 million.
As of September 30, 2025, total assets were $5.63 billion versus $5.37 billion at year-end. Deposits reached $4.89 billion, up from $4.70 billion, while loans and leases held for investment, net, were $3.53 billion. Shareholders’ equity improved to $645.3 million, supported by higher retained earnings and a smaller accumulated other comprehensive loss. Nonaccrual loans were modest at $0.96 million.
Operating cash flow was $90.5 million for the nine months; investing used $298.1 million, primarily for securities purchases, and financing provided $167.6 million, reflecting deposit growth. Basic EPS was $34.24 for the quarter, and shares outstanding were 720,365 as of October 31, 2025.
Farmers & Merchants Bancorp (FMCB) director Kevin Sanguinetti reported an open-market purchase on 11/05/2025. He bought 10 shares of common stock at $1,043 per share, coded “P”. Following the reported transactions, he listed 6,318 shares held directly, 1,397 shares held indirectly in a grantor trust established in connection with the company’s NQRP, and 727 shares held indirectly by spouse.
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.