FMFG 8-K furnishes press release on results for Sept 30, 2025

Rhea-AI Filing Summary

Farmers and Merchants Bancshares, Inc. (FMFG) furnished an update on its financial results. The company filed an 8‑K under Item 2.02 stating it issued a press release covering results for the three and nine month periods ended September 30, 2025, which is provided as Exhibit 99.1. The information in Item 2.02 and Exhibit 99.1 is furnished and not deemed “filed” for purposes of Section 18 of the Exchange Act, and is not incorporated by reference unless expressly stated.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): October 27, 2025

Farmers and Merchants Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Maryland	000-55756	81-3605835
(State or other jurisdiction of  incorporation or organization)	(Commission file number)	(IRS Employer Identification No.)

4510 Lower Beckleysville Road, Suite H, Hampstead, MD		21074
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (410) 374-1510

N/A

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions:

☐         Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐         Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐         Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐         Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Exchange Act: None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operation and Financial Condition.

On October 27, 2025, Farmers and Merchants Bancshares, Inc. (the “Company”) issued a press release describing its financial results for the three and nine month periods ended September 30, 2025. A copy of the press release is furnished herewith as Exhibit 99.1.

The information contained in this Item 2.02 and in Exhibit 99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

The exhibits furnished with this report are listed in the following Exhibit Index:

Exhibit No. Description

99.1 Press release dated October 27, 2025 (furnished herewith).

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FARMERS AND MERCHANTS BANCSHARES, INC.
Dated: October 27, 2025	By:	/s/ Gary A. Harris
		Gary A. Harris
		President & CEO

FAQ

What did Farmers and Merchants Bancshares (FMFG) disclose in this 8-K?

The company furnished a press release describing financial results for the three and nine months ended September 30, 2025.

Which item of the 8-K applies to FMFG’s announcement?

Item 2.02, Results of Operations and Financial Condition.

Where can I find the detailed results for FMFG?

They are included in the press release furnished as Exhibit 99.1.

Are the results considered 'filed' with the SEC?

No. The information in Item 2.02 and Exhibit 99.1 is furnished, not deemed “filed,” and not incorporated by reference unless expressly stated.

What period does the FMFG press release cover?

The three and nine month periods ended September 30, 2025.

When was the 8-K report dated?

October 27, 2025.