Welcome to our dedicated page for Farmers & Merchants Bk Md SEC filings (Ticker: FMFG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Farmers and Merchants Bancshares, Inc. (FMFG) SEC filings page provides access to the company’s public reports as a financial holding company in the commercial banking industry. Farmers and Merchants Bancshares, Inc. is the parent of Farmers and Merchants Bank, which serves the deposit and financing needs of consumers and businesses in Carroll and Baltimore Counties in Maryland.
Through this page, users can review current reports on Form 8-K that the company files with the U.S. Securities and Exchange Commission. Recent 8-K filings have addressed topics such as dividend declarations on the common stock, earnings results for specific reporting periods, and the issuance of fixed-to-floating rate subordinated notes intended to qualify as Tier 2 capital and to repay an existing term loan.
In addition to 8-Ks, investors can consult the company’s periodic reports referenced in its disclosures, which include sections like “Risk Factors” that describe risks and uncertainties affecting operations. These filings discuss areas such as net interest income, provisions for credit losses, loan and deposit balances, securities portfolios, and regulatory capital considerations, all of which are central to understanding a commercial banking organization.
This SEC filings page is integrated with AI-powered tools that summarize and highlight key points from lengthy documents. Users can quickly identify the main items in quarterly and annual reports, as well as in specialized filings covering capital instruments, stockholder rights plans, or registration statements related to offerings such as a dividend reinvestment plan. The platform also surfaces relevant exhibits, such as forms of subordinated notes and purchase agreements, to help users see the underlying contractual terms.
For those tracking FMFG, this page offers a structured view of the company’s regulatory reporting history, from material event disclosures to capital and governance-related filings.
Farmers & Merchants Bancshares, Inc. director Emily Bollinger Miller reported acquiring additional common shares of the company. On January 8, 2026, she acquired 910 FMFG shares at a price of $17.02 per share. Following this transaction, she beneficially owns 2,886.247 FMFG shares, held in direct ownership. This filing reflects an increase in her personal equity stake in the bank.
Farmers & Merchants Bancshares, Inc. director Barry J. Renbaum and his wife, Carol E. Renbaum, reported additional ownership of company common stock on a joint Form 4/A. On 12/15/2025, they acquired 6,905 shares of common stock, coded "J," at a stated price of $16.66 per share.
After this transaction, their jointly held direct ownership increased to 328,377 shares of Farmers & Merchants Bancshares common stock. The filing notes that the newly reported shares were acquired as participants in the company’s dividend reinvestment program, and that the couple owns the reported shares as joint tenants. This Form 4/A amends an earlier filing originally dated 07/31/2024 and references an earliest transaction date of 09/12/2022.
Farmers & Merchants Bancshares, Inc. (FMFG) director reported buying common stock in the company. On 11/25/2025, the director purchased 750 shares of FMFG at a price of $16 per share in an open market transaction coded "P" for purchase.
Following this transaction, the director beneficially owned 1,940.995 shares of FMFG common stock in direct form. This filing reflects an increase in the director's personal equity stake in the company.
Farmers and Merchants Bancshares, Inc. (FMFG) announced that its Board of Directors declared a cash dividend of $0.34 per share on its common stock. The dividend will be paid on December 15, 2025 to stockholders who are on record as of December 5, 2025. This cash dividend provides direct cash returns to shareholders and reflects the company’s ongoing practice of distributing part of its earnings to its owners.
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.
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.
Farmers & Merchants Bancshares, Inc. filed a Form D reporting a completed private offering of debt securities under Rule 506(b). The company raised the full $12,500,000 and reports
Farmers and Merchants Bancshares, Inc. issued $12,500,000 aggregate principal amount of 7.875% Fixed to Floating Rate Subordinated Notes due September 25, 2035. The Notes were sold in a private placement at par and are intended to fund repayment of approximately $10,019,442 outstanding under a 2020 Term Note with First Horizon Bank and for general corporate purposes. Interest is fixed at 7.875% through September 25, 2030, then resets quarterly at Three-Month Term SOFR plus 458 basis points (floors at 0% SOFR). The Notes are unsecured, subordinated obligations of the company, rank junior to senior indebtedness, are not guaranteed by subsidiaries, and are intended to qualify as Tier 2 regulatory capital. Redemptions by the company are limited prior to September 26, 2030 and require regulatory approvals where applicable.