Every 10-Q that Farmers & Merchants Bk Md (FMFG) 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 10-Q covers the quarterly report filed between annual reports, so if you follow FMFG 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 FMFG filings page.
Farmers and Merchants Bancshares, Inc. reported higher profitability for the three and six months ended June 30, 2026. Quarterly net income was $1.9 million versus $1.2 million a year earlier, and six‑month net income was $3.7 million versus $2.4 million. Net interest income rose to $6.8 million for the quarter and $13.5 million year‑to‑date, aided by the absence of any provision for credit losses in 2026.
Total assets were $874.2 million and total deposits $725.1 million at June 30, 2026, both modestly higher than year‑end 2025. Loans, net of a $4.5 million allowance for credit losses, stood at $636.5 million, with no nonaccrual or collateral‑dependent loans and no charge‑offs year‑to‑date. Capital remained strong; the Bank’s Common Equity Tier 1 ratio was 12.09% and Tier 1 leverage ratio 9.98%, well above well‑capitalized thresholds. Basic and diluted earnings per share were $0.58 for the quarter and $1.14 for the six‑month period.
Farmers and Merchants Bancshares, Inc. reported stronger results for the three months ended March 31, 2026. Net income rose to $1.8 million from $1.2 million a year earlier, with diluted earnings per share increasing to $0.56 from $0.37. Net interest income grew to $6.8 million from $5.5 million as higher loan yields more than offset funding costs, and there was no provision for credit losses versus a small provision in 2025. Noninterest income declined modestly, while noninterest expenses increased, mainly in furniture and equipment and employee benefits. Asset quality remained very strong with no nonaccrual loans, no charge-offs, and an allowance for credit losses on loans of $4.5 million. Total assets were $862.9 million, slightly below year-end, as loans and securities contracted and deposits fell to $711.3 million, including repayment of brokered CDs. Regulatory capital ratios stayed comfortably above “well capitalized” thresholds, with a Common Equity Tier 1 ratio of 11.98% and a Tier 1 leverage ratio of 9.73%.
Farmers and Merchants Bancshares (FMFG) reported stronger Q3 2025 results. Net income rose to $1.706M from $1.123M a year ago, with diluted EPS of $0.53 versus $0.36. Net interest income increased to $6.353M as interest income expanded to $10.959M while interest expense eased slightly to $4.606M. The company recorded a $327K provision for credit losses after no provision in the prior-year quarter.
Balance sheet trends were mixed. Total assets reached $869.6M and loans grew to $627.8M. Total deposits declined to $734.1M, while Federal Home Loan Bank advances increased to $50.2M. Accumulated other comprehensive loss improved to $(13.189)M as securities marks recovered. Asset quality strengthened: there were no nonaccrual loans at quarter end, compared with $2.44M at year-end 2024, though commercial real estate loans 90+ days past due and accruing stood at $1.262M. The allowance for credit losses on loans was $4.257M. The company paid a cash dividend of $0.34 per share in the quarter. Shares outstanding were 3,202,935 as of November 13, 2025.