Farmers &Amp; Merchants Bancorp Inc (FMAO) — SEC Filings
Farmers &Amp; Merchants Bancorp Inc (FMAO) — 36 SEC filings. Latest: ARS (Mar 24, 2026). Includes 22 8-K, 6 10-Q, 2 DEF 14A.
View Farmers &Amp; Merchants Bancorp Inc on SEC EDGAR
Overview
Farmers &Amp; Merchants Bancorp Inc (FMAO) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a ARS filed on Mar 24, 2026: Farmers & Merchants Bancorp Inc. (F&M) filed its Annual Report to Security Holders (ARS) on March 24, 2026, for the fiscal year ending December 31, 2025. This filing, with SEC Accession No. 0001140361-26-010916, provides shareholders with the company's annual financial and operational overview. This
Sentiment Summary
Across 36 filings, the sentiment breakdown is: 34 neutral, 2 mixed. The dominant filing sentiment for Farmers &Amp; Merchants Bancorp Inc is neutral.
Filing Type Overview
Farmers &Amp; Merchants Bancorp Inc (FMAO) has filed 1 ARS, 6 10-Q, 22 8-K, 1 DEFA14A, 2 DEF 14A, 2 10-K, 1 10-K/A, 1 SC 13G/A with the SEC between Jan 2024 to Mar 2026.
Filings by Year
Recent SEC Filings (36)
Risk Profile
Risk Assessment: Of FMAO's 32 recent filings, 0 were flagged as high-risk, 6 as medium-risk, and 26 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $128.978M |
| Net Income | $23.516M |
| EPS | $0.64 |
| Debt-to-Equity | N/A |
| Cash Position | $117.030M |
| Operating Margin | N/A |
| Total Assets | $3.390B |
| Total Debt | N/A |
Key Executives
- John D. Keller
- Michael L. Smith
- D. Brent T. Johnson
- Melinda L. Gies
- Ian D. Boyce
- Jack C. Johnson
- Kevin J. Sauder
- Andrew J. Briggs
- Lori A. Johnston
Industry Context
FARMERS & MERCHANTS BANCORP INC operates within the highly competitive U.S. banking industry, characterized by a mix of community banks, regional players, and large national institutions. Trends include increasing digitalization, evolving customer expectations for seamless digital experiences, and a dynamic interest rate environment. Consolidation through mergers and acquisitions remains a theme as institutions seek scale and efficiency. Regulatory scrutiny continues to be a significant factor influencing operations and profitability.
Top Tags
corporate-governance (6) · executive-compensation (6) · financials (5) · financial-reporting (5) · banking (4) · financial-results (4) · 10-Q (4) · 8-k (3) · 8-K (3) · board-of-directors (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $8.854M | Increased 35.88% from $6.516M in Q3 2024 |
| Net Income (YTD Q3 2025) | $23.516M | Increased 33.94% from $17.557M in YTD Q3 2024 |
| Total Interest Income (Q3 2025) | $44.484M | Increased 6.16% from $41.901M in Q3 2024 |
| Total Interest Expense (Q3 2025) | $17.583M | Decreased 13.34% from $20.312M in Q3 2024 |
| Provision for Credit Losses - Loans (YTD Q3 2025) | $2.029M | Increased 239% from $598K in YTD Q3 2024 |
| Total Deposits (Sept 30, 2025) | $2.751B | Increased from $2.686B at Dec 31, 2024 |
| Loans, net (Sept 30, 2025) | $2.632B | Increased from $2.536B at Dec 31, 2024 |
| Basic Earnings Per Share (Q3 2025) | $0.64 | Increased from $0.48 in Q3 2024 |
| Dividends Declared Per Share (Q3 2025) | $0.22750 | Increased from $0.22125 in Q3 2024 |
| Cash and Cash Equivalents (Sept 30, 2025) | $117.030M | Decreased from $176.351M at Dec 31, 2024 |
| Net Income | $7.8M | Decreased from $8.5M in prior year period for six months ended June 30, 2025. |
| Interest Income on Loans and Leases | $32.5M | Increased from $29.8M in prior year period for six months ended June 30, 2025. |
| Total Assets | $2.04B | Slight increase from $2.02B at December 31, 2024, as of June 30, 2025. |
| Nonaccrual Loans | $10.2M | Increased from $9.5M at December 31, 2024, as of June 30, 2025. |
| Loans 30-59 Days Past Due | $1.9M | Increased from $1.4M at December 31, 2024, as of June 30, 2025. |
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Frequently Asked Questions
What are the latest SEC filings for Farmers &Amp; Merchants Bancorp Inc (FMAO)?
Farmers &Amp; Merchants Bancorp Inc has 36 recent SEC filings from Jan 2024 to Mar 2026, including 22 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of FMAO filings?
Across 36 filings, the sentiment breakdown is: 34 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Farmers &Amp; Merchants Bancorp Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Farmers &Amp; Merchants Bancorp Inc (FMAO) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Farmers &Amp; Merchants Bancorp Inc?
Key financial highlights from Farmers &Amp; Merchants Bancorp Inc's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for FMAO?
The investment thesis for FMAO includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Farmers &Amp; Merchants Bancorp Inc?
Key executives identified across Farmers &Amp; Merchants Bancorp Inc's filings include John D. Keller, Michael L. Smith, D. Brent T. Johnson, Melinda L. Gies, Ian D. Boyce and 4 others.
What are the main risk factors for Farmers &Amp; Merchants Bancorp Inc stock?
Of FMAO's 32 assessed filings, 0 were flagged high-risk, 6 medium-risk, and 26 low-risk.
What are recent predictions and forward guidance from Farmers &Amp; Merchants Bancorp Inc?
Forward guidance and predictions for Farmers &Amp; Merchants Bancorp Inc are extracted from SEC filings as they are enriched.