Farmers & Merchants Bancshares (FMFG) director reports new stock purchase

Rhea-AI Filing Summary

Farmers & Merchants Bancshares, Inc. director Bruce L. Schindler reported acquiring additional common stock of the company. On 01/08/2026, he acquired 2,287 shares of FMFG at a price of $17.02 per share. Following this transaction, he beneficially owned 105,065.793 FMFG shares in total, held in direct ownership. This filing reflects an increase in his personal equity stake as a board member.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Schindler Bruce L.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	FMFG	2,287	$17.02	$39K

Holdings After Transaction: FMFG — 105,065.793 shares (Direct)

Footnotes (1)

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FAQ

What insider transaction did FMFG director Bruce L. Schindler report?

On 01/08/2026, FMFG director Bruce L. Schindler reported acquiring 2,287 shares of Farmers & Merchants Bancshares, Inc. common stock.

At what price did Bruce L. Schindler acquire FMFG shares?

Bruce L. Schindler acquired the 2,287 FMFG shares at a price of $17.02 per share.

How many FMFG shares does Bruce L. Schindler own after this transaction?

After the reported transaction, Bruce L. Schindler beneficially owned 105,065.793 shares of FMFG common stock.

Is Bruce L. Schindler a director or officer of Farmers & Merchants Bancshares, Inc. (FMFG)?

Bruce L. Schindler is reported as a director of Farmers & Merchants Bancshares, Inc. and is not listed as an officer in this filing.

Is Bruce L. Schindler’s ownership in FMFG direct or indirect?

The filing classifies Bruce L. Schindler’s FMFG share ownership as direct (D) ownership.

Does this FMFG Form 4 include any derivative securities transactions?

No. The filing’s Table II for derivative securities shows no acquired or disposed derivative positions for this transaction.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Schindler Bruce L.

(Last) (First) (Middle)

4510 LOWER BECKLEYSVILLE ROAD

SUITE H

(Street)

HAMPSTEAD MD 21074

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Farmers & Merchants Bancshares, Inc. [ FMFG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/08/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
FMFG	01/08/2026		A		2,287	A	$17.02	105,065.793	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Bruce L. Schindler	01/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.