Farmers &Amp; Merchants Bancshares, INC. (FMFG) — SEC Filings

Q: What are the key financial highlights for Farmers &Amp; Merchants Bancshares, INC.?

Key financial highlights for Farmers &Amp; Merchants Bancshares, INC. are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Farmers &Amp; Merchants Bancshares, INC.?

Key executives at Farmers &Amp; Merchants Bancshares, INC. are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Farmers &Amp; Merchants Bancshares, INC. stock?

Risk factors for Farmers &Amp; Merchants Bancshares, INC. (FMFG) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Farmers &Amp; Merchants Bancshares, INC.?

Forward-looking statements and predictions from Farmers &Amp; Merchants Bancshares, INC. are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Farmers &Amp; Merchants Bancshares, INC.. Recent 8-K filing on Apr 24, 2026. AI-decoded analysis of earnings, risk factors, and insi

View Farmers &Amp; Merchants Bancshares, INC. on SEC EDGAR

Overview

Farmers &Amp; Merchants Bancshares, INC. (FMFG) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 19, 2025: Farmers & Merchants Bancshares, Inc. filed an 8-K on November 19, 2025, reporting events as of November 17, 2025. The filing is categorized under 'Other Events' and includes 'Financial Statements and Exhibits'. The company is incorporated in Maryland and its principal executive offices are located i

Sentiment Summary

Across 38 filings, the sentiment breakdown is: 1 bullish, 35 neutral, 2 mixed. The dominant filing sentiment for Farmers &Amp; Merchants Bancshares, INC. is neutral.

Filing Type Overview

Farmers &Amp; Merchants Bancshares, INC. (FMFG) has filed 22 8-K, 6 10-Q, 1 10-Q/A, 1 S-1, 1 8-K/A, 2 10-K, 4 SC 13D/A, 1 DEF 14A with the SEC between Jan 2024 to Apr 2026.

Filings by Year

2026 · 2025 · 2024

Recent Filings (38)

8-K Filing — 8-K · Apr 24, 2026
Farmers & Merchants Bancshares Files 8-K — 8-K · Nov 19, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on November 19, 2025, reporting events as of November 17, 2025. The filing is categorized under 'Other Events'
FMFG's Net Income Jumps 52% on Strong Loan Growth — 10-Q · Nov 14, 2025 Risk: medium
Farmers & Merchants Bancshares, Inc. (FMFG) reported a significant increase in net income for the three and nine months ended September 30, 2025. Net income for
Farmers & Merchants Bancshares Files 8-K — 8-K · Oct 27, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on October 27, 2025, reporting on its results of operations and financial condition. The filing includes finan
Farmers & Merchants Bancshares Enters Material Agreement — 8-K · Sep 25, 2025 Risk: medium
On September 25, 2025, Farmers & Merchants Bancshares, Inc. filed an 8-K report detailing the entry into a material definitive agreement and the creation of a d
FMFG's Net Income Rises 11% Amidst Higher Interest Income, Credit Provisions — 10-Q · Aug 14, 2025 Risk: medium
Farmers & Merchants Bancshares, Inc. (FMFG) reported a net income of $1.199 million for the three months ended June 30, 2025, an increase of 11.1% from $1.079 m
FMFG Amends Q1 2025 10-Q to Correct Omissions, Add Certifications — 10-Q/A · Aug 12, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. (FMFG) filed an Amendment No. 1 on Form 10-Q/A on August 12, 2025, to its original Form 10-Q for the quarter ended March 31
Farmers & Merchants Bancshares Files 8-K — 8-K · Jul 23, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on July 23, 2025, reporting on its results of operations and financial condition. The filing includes financia
Farmers & Merchants Bancshares Reports Director/Officer Changes — 8-K · Jul 1, 2025 Risk: low
Farmers and Merchants Bancshares, Inc. filed an 8-K on July 1, 2025, reporting events as of June 30, 2025. The filing covers the departure and election of direc
Farmers & Merchants Bancshares Files 8-K — 8-K · Jun 18, 2025 Risk: medium
Farmers & Merchants Bancshares, Inc. filed an 8-K on June 18, 2025, reporting a material definitive agreement. The filing indicates modifications to the rights
Farmers & Merchants Bancshares Files 8-K — 8-K · Jun 9, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on June 9, 2025, reporting on other events and financial statements. The filing does not contain specific fina
Farmers & Merchants Bancshares, Inc. Files 8-K — 8-K · May 27, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on May 27, 2025, reporting a current event. The filing indicates the company is a savings institution not fede
FMFG Files S-1 for Continuous Offering, Signals Growth Ambitions — S-1 · May 23, 2025 Risk: medium
Farmers & Merchants Bancshares, Inc. (FMFG) filed an S-1 registration statement on May 23, 2025, for a delayed or continuous offering of securities under Rule 4
Farmers & Merchants Bancshares Q1 2025 10-Q Filed — 10-Q · May 15, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed its 10-Q for the period ending March 31, 2025. The filing details financial performance and operational updates for t
Farmers & Merchants Bancshares Files 8-K/A Amendment — 8-K/A · May 9, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an amendment (8-K/A) on May 9, 2025, to a previous filing concerning matters submitted to a vote of security holders
Farmers & Merchants Bancshares Files 8-K on Corporate Changes — 8-K · May 5, 2025 Risk: low
Farmers and Merchants Bancshares, Inc. filed an 8-K on April 29, 2025, reporting on the departure of directors, election of new directors, appointment of office
Farmers & Merchants Bancshares Files 8-K on Shareholder Votes — 8-K · May 2, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on April 29, 2025, to report on matters submitted to a vote of its security holders. The filing details the co
Farmers & Merchants Bancshares, Inc. Files 8-K — 8-K · Apr 29, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on April 29, 2025, reporting on its results of operations and financial condition. The filing also includes di
Farmers & Merchants Bancshares Files 2024 10-K — 10-K · Mar 13, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed its 2024 10-K on March 13, 2025, reporting on its fiscal year ending December 31, 2024. The company, a savings instit
Farmers & Merchants Bancshares Files 8-K — 8-K · Feb 10, 2025 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on February 10, 2025, reporting on its results of operations and financial condition. The filing also includes
Renbaum Amends Farmers & Merchants Bancshares Filing — SC 13D/A · Dec 3, 2024 Risk: low
Barry J. Renbaum filed an amendment (No. 7) to his Schedule 13D on November 27, 2024, regarding his holdings in Farmers & Merchants Bancshares, Inc. The filing
Renbaum Amends Farmers & Merchants Bancshares Stake — SC 13D/A · Nov 27, 2024 Risk: medium
Barry J. Renbaum has amended his Schedule 13D filing for Farmers & Merchants Bancshares, Inc. on November 22, 2024. This amendment, the sixth to the filing, ind
Farmers & Merchants Bancshares to be Acquired by Shore Bancshares — 8-K · Nov 19, 2024 Risk: medium
Farmers & Merchants Bancshares, Inc. announced on November 18, 2024, that it has entered into a definitive agreement to be acquired by Shore Bancshares, Inc. Th
Farmers & Merchants Bancshares Q3 2024 10-Q Filed — 10-Q · Nov 14, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed its Q3 2024 10-Q report on November 14, 2024, covering the period ending September 30, 2024. The filing details finan
Farmers & Merchants Bancshares Files 8-K — 8-K · Oct 22, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on October 22, 2024, reporting on its results of operations and financial condition. The filing includes finan
Farmers & Merchants Bancshares Announces Board and Officer Changes — 8-K · Sep 16, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. announced on August 19, 2024, changes in its board and officer appointments. The filing details the departure of a director
Farmers & Merchants Bancshares Q2 2024 10-Q Filed — 10-Q · Aug 14, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed its 10-Q for the period ending June 30, 2024. The filing details financial performance and operational updates for th
Farmers & Merchants Bancshares Files 8-K — 8-K · Jul 30, 2024 Risk: medium
On July 30, 2024, Farmers & Merchants Bancshares, Inc. filed an 8-K report detailing a material definitive agreement. The filing indicates modifications to the
Renbaum Amends Farmers & Merchants Bancshares Filing — SC 13D/A · Jul 22, 2024 Risk: medium
Barry J. Renbaum filed an amendment (Amendment No. 5) to his Schedule 13D on July 22, 2024, regarding his holdings in Farmers & Merchants Bancshares, Inc. The f
Farmers & Merchants Bancshares Files 8-K — 8-K · Jul 22, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on July 22, 2024, reporting on its results of operations and financial condition. The filing includes financia
Renbaum Amends Farmers & Merchants Bancshares Filing — SC 13D/A · Jul 8, 2024 Risk: medium
Barry J. Renbaum filed Amendment No. 4 to Schedule 13D on July 8, 2024, regarding Farmers & Merchants Bancshares, Inc. The filing indicates a change in benefici
Farmers & Merchants Bancshares Files 8-K — 8-K · May 21, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on May 20, 2024, reporting other events and financial statements. The filing does not contain specific details
Farmers & Merchants Bancshares, Inc. Files Q1 2024 10-Q — 10-Q · May 14, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. (FMFG) filed a Quarterly Report (10-Q) with the SEC on May 14, 2024. Total assets were $4,317,837,000 for Q1 2024, a slight
Farmers & Merchants Bancshares Files 8-K on Shareholder Votes — 8-K · Apr 24, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on April 24, 2024, reporting on matters submitted to a vote of security holders as of April 23, 2024. The fili
Farmers & Merchants Bancshares Files 8-K — 8-K · Apr 23, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. filed an 8-K on April 23, 2024, reporting on its results of operations and financial condition. The filing also includes in
Farmers & Merchants Bancshares, Inc. Announces 2024 Annual Meeting Details — DEF 14A · Mar 14, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. (FMFG) filed a Proxy Statement (DEF 14A) with the SEC on March 14, 2024. Annual Meeting scheduled for April 23, 2024, at 3:
Farmers & Merchants Bancshares, Inc. Files 2023 Annual Report — 10-K · Mar 11, 2024 Risk: low
Farmers & Merchants Bancshares, Inc. (FMFG) filed a Annual Report (10-K) with the SEC on March 11, 2024. Total assets reached $4,285,247,000 for the fiscal year
Farmers & Merchants Bancshares Files 8-K on Financial Results — 8-K · Jan 31, 2024
Farmers & Merchants Bancshares, Inc. filed an 8-K on January 31, 2024, to report its financial results and condition. This filing, under Items 2.02 and 9.01, in

Risk Profile

Risk Assessment: Of FMFG's 36 recent filings, 0 were flagged as high-risk, 10 as medium-risk, and 26 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Farmers &Amp; Merchants Bancshares, INC.'s most recent 10-Q filing (Nov 14, 2025):

Revenue: $17.839M
Net Income: $4.069M
EPS: $1.28
Total Assets: $869.632M

Key Executives

principal executive officer
principal financial officer
Gary A. Harris
Andrew Bulgin
Barry J. Renbaum
Cherie Barrett

Industry Context

The banking industry continues to navigate a complex environment characterized by evolving interest rate policies, increasing regulatory scrutiny, and a dynamic competitive landscape. Community banks like FMFG are focused on managing net interest margins, controlling credit risk, and adapting to technological advancements to serve their customer base effectively.

Top Tags

8-k (9) · financials (9) · financial-reporting (7) · corporate-governance (5) · amendment (5) · 10-Q (4) · sec-filing (3) · Community Banking (3) · material-agreement (3) · quarterly-report (3)

Key Numbers

Net Income (Q3 2025): $1.706M — Increased 51.9% from $1.123M in Q3 2024
Net Income (9M 2025): $4.069M — Increased 18.9% from $3.421M in 9M 2024
Net Interest Income (Q3 2025): $6.353M — Increased 24.9% from $5.085M in Q3 2024
Net Interest Income (9M 2025): $17.839M — Increased 15.9% from $15.392M in 9M 2024
Basic EPS (Q3 2025): $0.53 — Increased from $0.36 in Q3 2024
Basic EPS (9M 2025): $1.28 — Increased from $1.09 in 9M 2024
Total Assets (Sep 30, 2025): $869.632M — Increased from $844.643M at Dec 31, 2024
FHLB Advances (Sep 30, 2025): $50.200M — Increased from $5.000M at Dec 31, 2024
Total Stockholders' Equity (Sep 30, 2025): $63.163M — Increased 12.2% from $56.272M at Dec 31, 2024
Provision for Credit Losses (9M 2025): $595K — Increased from $0 in 9M 2024
Net Income (Q2 2025): $1.199M — Increased 11.1% from $1.079M in Q2 2024
Net Income (YTD Q2 2025): $2.363M — Increased from $2.298M in YTD Q2 2024
Total Interest Income (Q2 2025): $10.293M — Increased from $9.180M in Q2 2024
Loan Interest Income (Q2 2025): $8.899M — Increased from $7.238M in Q2 2024
Total Interest Expense (Q2 2025): $4.302M — Increased from $4.047M in Q2 2024

Related Companies

FMBK · FMBH · SHBI

Frequently Asked Questions

What are the latest SEC filings for Farmers &Amp; Merchants Bancshares, INC. (FMFG)?

Farmers &Amp; Merchants Bancshares, INC. has 38 recent SEC filings from Jan 2024 to Apr 2026, including 22 8-K, 6 10-Q, 4 SC 13D/A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of FMFG filings?

Across 38 filings, the sentiment breakdown is: 1 bullish, 35 neutral, 2 mixed. The dominant sentiment is neutral.

Where can I find Farmers &Amp; Merchants Bancshares, INC. SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Farmers &Amp; Merchants Bancshares, INC. (FMFG) 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 Bancshares, INC.?

Key financial highlights from Farmers &Amp; Merchants Bancshares, 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 FMFG?

The investment thesis for FMFG includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Farmers &Amp; Merchants Bancshares, INC.?

Key executives identified across Farmers &Amp; Merchants Bancshares, INC.'s filings include principal executive officer, principal financial officer, Gary A. Harris, Andrew Bulgin, Barry J. Renbaum and 1 others.

What are the main risk factors for Farmers &Amp; Merchants Bancshares, INC. stock?

Of FMFG's 36 assessed filings, 0 were flagged high-risk, 10 medium-risk, and 26 low-risk.

What are recent predictions and forward guidance from Farmers &Amp; Merchants Bancshares, INC.?

Forward guidance and predictions for Farmers &Amp; Merchants Bancshares, INC. are extracted from SEC filings as they are enriched.