{"filings":[{"id":1496916,"accession_number":"0001193125-26-297378","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2026-07-07T19:19:30+00:00","items":["5.02"],"status":"ready","headline":"Farmers & Merchants Bancorp appoints Gregory R. Allen to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Gregory R. Allen appointed to fill open board vacancy; first meeting set for September 29, 2026.","He will receive standard non-employee director fees: cash retainer of $50k-$75k depending on role, plus $17,500 in stock.","No family relationships or reportable transactions with the company or its subsidiaries.","2026 board fee structure: Chairman $75k, Committee Chairs $55k-$57.5k, other directors $50k, plus stock award."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98878,"accession_number":"0001193125-26-170660","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp Q1 net income rises 37.8% to $9.6M; EPS $0.70","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.6M vs $7.0M YoY; diluted EPS $0.70 vs $0.51.","Net interest margin expanded 39 bps to 3.42%; efficiency ratio improved to 60.08%.","Total deposits up 4.1% to $2.81B; loans net up 3.9% to $2.68B.","Quarterly dividend increased 4.0% to $0.92 annualized; Tier 1 leverage ratio 9.02%.","Nonperforming loans at 0.42% of total loans; net charge-offs 0.01% of avg loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98877,"accession_number":"0001193125-26-167045","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Farmers & Merchants Bancorp shareholders elect directors, approve say-on-pay, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected; highest vote was Kevin G. Frey with 6,755,638 for, lowest Andrew J. Briggs with 4,793,928 for.","Advisory say-on-pay passed with 6,331,864 for, 372,945 against, 188,775 abstained.","Ratification of Plante Moran as auditor for FY 2026 passed with 9,787,725 for, 27,210 against, 152,398 abstained."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114585,"accession_number":"0001193125-26-048918","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp releases Q4/FY2025 earnings; specific figures not included in 8-K body","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company issued an earnings press release for Q4 and full year 2025 on February 12, 2026.","Financial details (EPS, revenue, etc.) are not provided in this 8-K filing; investors should refer to the separate press release.","No other material events or updates were reported in this filing.","The filing only references the attached exhibit without reproducing its content."],"consensus_eps_estimate":null,"consensus_eps_actual":2.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114584,"accession_number":"0001193125-26-024773","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"FMAO board authorizes repurchase of up to 650,000 shares (4.7% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Repurchase program covers up to 650,000 shares, approximately 4.7% of outstanding common stock.","Program effective January 27, 2026 through December 31, 2026.","Repurchases may be made in open market or private transactions at company's discretion.","No commitment to repurchase any specific number of shares; program may be suspended or discontinued."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130953,"accession_number":"0001193125-25-250828","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO reports Q3 2025 earnings; specific figures not available from filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Earnings for three and nine months ended September 30, 2025 announced.","No financial data included in 8-K body; details are in the attached press release.","Analysis limited because exhibit text was not provided in the query.","Event is a routine earnings release; materiality cannot be assessed without results."],"consensus_eps_estimate":null,"consensus_eps_actual":1.71,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147530,"accession_number":"0001193125-25-175075","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp furnishes Q2 2025 investor presentation; no financial details disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filed under Item 7.01 Regulation FD; presentation intended for investor/analyst meetings.","Presentation title indicates second quarter 2025 content, but specific figures not provided in the 8-K.","No earnings results, guidance, or material updates included in the filing body.","Ticker FMAO on NASDAQ; routine FD disclosure with no quantitative data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147529,"accession_number":"0000950170-25-099234","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-07-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO announces Q2 2025 earnings; press release not included","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Farmers & Merchants Bancorp filed an 8-K on July 28, 2025, for Q2 2025 earnings.","No specific financial results (revenue, EPS) are available in the filing body.","Actual figures require the attached press release, which was not provided.","Investors should consult the full press release for detailed numbers.","Ticker FMAO trades on the NASDAQ Capital Market."],"consensus_eps_estimate":null,"consensus_eps_actual":1.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166187,"accession_number":"0000950170-25-089887","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-06-25T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp appoints Ahmed Alomari to Board effective July 29, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Alomari appointed to boards of the Company and its bank subsidiary F&M Bank, effective July 29, 2025.","Annual cash retainer of $50,000 plus $17,500 in stock for non-employee directors.","Alomari founded Cybernoor (acquired 2021) and now EVP at Buchanan Technologies; holds CS degree from Univ. of Michigan.","No family relationships with directors/officers and no reportable transactions exceeding $120,000.","Committee assignments have not yet been determined."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166186,"accession_number":"0000950170-25-075302","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Board member Jo Ellen Hornish resigns from Farmers & Merchants Bancorp effective May 20, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Resignation effective May 20, 2025, following board meeting.","Hornish served on board since 2013, including Audit and Governance committees.","No reason for resignation or disagreement disclosed.","No replacement named; board size reduced by one."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166185,"accession_number":"0000950170-25-059407","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-04-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO Q1 net income up 29.7% to $7.0M, EPS $0.51; NIM expands to 3.03%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.0M ($0.51 diluted EPS) vs $5.4M ($0.39) YoY, up 29.7%.","Net interest margin 3.03% (+43 bps YoY); efficiency ratio improved to 66.79% from 74.08%.","Total loans $2.58B (+1.6%), deposits $2.70B (+3.0%); nonperforming loans 0.17% of loans.","Pre-tax pre-provision income rose 49.6% to $9.3M from $6.2M.","Dividend $0.22125/share (+0.6% YoY); 30 consecutive years of dividend increases."],"consensus_eps_estimate":null,"consensus_eps_actual":0.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166184,"accession_number":"0000950170-25-054730","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-04-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Farmers & Merchants Bancorp shareholders elect all 11 directors, approve share increase and new equity plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees elected with between 6.4M and 7.6M votes for each.","Proposal to increase authorized common shares from 20M to 40M passed with 8.98M for (85.5% of votes cast).","2025 Long-Term Stock Incentive Plan approved with 5.98M for, 1.80M against.","Advisory vote on executive compensation passed with 7.02M for (88.3% of votes cast excluding broker non-votes).","Ratification of Plante Moran as auditor for FY2025 passed with 10.27M for (98.8% of votes cast)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183673,"accession_number":"0000950170-25-018936","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO reports Q4 and FY2024 earnings but filing excerpt lacks specific figures","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release announcing earnings for three and twelve months ended Dec 31, 2024, is referenced but not provided in the query.","No revenue, EPS, or segment details available from the 8-K text alone.","Investors should refer to the full press release (Exhibit 99) on the SEC website or company IR page.","Ticker: FMAO (NASDAQ Capital Market)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183672,"accession_number":"0000950170-25-010221","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Farmers & Merchants Bancorp authorizes repurchase of up to 650,000 shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 650,000 shares, representing about 4.8% of outstanding common stock.","Repurchase program effective January 28, 2025 through December 31, 2025.","Repurchases may be executed in open market or privately negotiated transactions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200260,"accession_number":"0000950170-24-137388","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-12-17T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Director Eugene N. Burkholder retires from F&M Bank board; board reduced to 11 members","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eugene N. Burkholder retired from the board of Farmers & Merchants Bancorp and its bank subsidiary effective Dec. 17, 2024.","He served as independent director since March 2012 and chaired the Enterprise Risk Management Committee.","The board will not fill the vacancy, reducing total board size from 12 to 11 members."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200259,"accession_number":"0000950170-24-119081","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO Q3 net income rises 36.4% to $6.5M; NPLs drop to $2.9M from $22.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $6.5M ($0.48 per share) vs $4.8M ($0.35) a year ago; NIM expanded 12 bps to 2.71%.","Nonperforming loans fell to $2.9M (0.11% of loans) from $22.4M (0.89%), an 87% decline.","Total deposits hit record $2.68B (+4.3% YoY); total assets record $3.39B (+4.8%).","Efficiency ratio improved to 67.98% from 73.07% YoY; YTD dividend increased 5% to $0.66125/share.","86th consecutive profitable quarter; stockholder equity record $335.4M (+10.6%)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200258,"accession_number":"0000950170-24-117028","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp appoints Kevin Frey to board; Dr. Stamm retiring","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kevin G. Frey appointed to Company and Bank boards effective Nov 19, 2024, filling vacancy from Dr. Stamm's retirement.","Dr. K. Brad Stamm retires effective Oct 25, 2024 after serving since 2016; mandatory retirement provision cited.","Frey is VP of Frey & Sons, a real estate brokerage and auction firm, and a former CPA.","Non-employee directors receive $50K annual cash retainer plus $15K stock retainer.","No reportable transactions between Frey or his family and the Company exceeding $120K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216278,"accession_number":"0000950170-24-102663","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-09-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Farmers & Merchants enters new 3-year employment agreement with CEO Lars Eller","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Base salary of $504,686, subject to upward adjustment; term Sept 1, 2024 to Aug 31, 2027.","Annual restricted stock grants equal to 25% of base pay; plus unrestricted shares equal to nonemployee director grants ($15,000 in 2024).","Change-in-control severance: 2x sum of base salary and average 3-year cash bonus/incentive, plus 12 months benefit continuation.","Non-compete applies without geographic limit during employment; post-termination limited to counties with bank offices in OH, IN, MI.","F&M guarantees Bank's performance; terms substantially similar to prior agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216277,"accession_number":"0000950170-24-089675","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-08-02T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp appoints Plante & Moran as auditor for FY2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plante & Moran selected as independent auditor for year ending Dec 31, 2025, subject to acceptance.","Forvis Mazars dismissed as auditor after completing FY2024 audit; no disagreements noted.","Audit reports for FY2022 and FY2023 were unqualified with no adverse opinions.","Change follows a request-for-proposal process and was ratified by the board on July 30, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216276,"accession_number":"0000950170-24-089374","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp announces Q2 2024 results; exhibit not provided","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filed 8-K on August 1, 2024, reporting earnings for three and six months ended June 30, 2024.","Press release attached as Exhibit 99 contains specific financial figures but is not included in this summary.","No detailed results (EPS, revenue, net income) can be extracted from the filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":0.81,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235848,"accession_number":"0000950170-24-062707","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"FMAO Board Chairman Jack Johnson retires; Andrew Briggs succeeds as Chair","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jack C. Johnson retired from the Board on May 21, 2024, under mandatory retirement provisions.","Johnson served as Chairman from July 2013 to April 2024; Board size reduced to twelve.","Andrew Briggs appointed Chairman of the Company and Bank on May 3, 2024; Kevin Sauder remains Vice Chairman.","Johnson was instrumental in guiding F&M through growth; retirement celebrated at May 21 board meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235847,"accession_number":"0000950170-24-052782","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-05-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Andrew Briggs appointed Chairman of Farmers & Merchants Bancorp; Jack Johnson retiring","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Andrew Briggs appointed Chairman of the Board of both the Company and F&M Bank.","Jack Johnson retiring after reaching maximum age per bylaws; served since 1991.","Kevin Sauder continues as Vice Chairman of the Boards.","Briggs has 40+ years banking experience; former Chairman of Limberlost Bancshares (merged into F&M in 2019)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235846,"accession_number":"0000950170-24-051353","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO Q1 net income $5.4M ($0.39 EPS) down from $6.5M; loans up 3.9%, deposits up 4.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $5.4M ($0.39 per diluted share) vs $6.5M ($0.47) in prior-year Q1; net interest income after provision up 6.2% from Q4 2023.","Total loans grew 3.9% to $2.54B; total deposits increased 4.3% to a record $2.62B.","Cash and cash equivalents surged 191.9% to $187.8M; total assets reached record $3.29B.","Nonperforming loans $19.4M (0.76% of loans) vs $7.7M a year ago, driven by a $16.5M agricultural relationship; net charge-offs 0.00%.","Quarterly dividend raised 4.8% to $0.22 per share; 29 consecutive years of annual dividend increases."],"consensus_eps_estimate":null,"consensus_eps_actual":0.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235845,"accession_number":"0000950170-24-050631","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Farmers & Merchants Bancorp shareholders elect 13 directors, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 13 nominees elected as directors for one-year term at April 29, 2024 annual meeting.","Advisory vote on executive compensation passed with 6,704,764 votes for, 620,749 against.","Ratification of FORVIS LLP as independent auditor approved with 10,292,145 votes for.","Broker non-votes of 2,859,088 on director election and say-on-pay."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253600,"accession_number":"0000950170-24-014622","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp releases Q4 and FY2023 earnings; text lacks specific figures","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued on Feb 13, 2024 for Q4 and full-year ended Dec 31, 2023.","Filing includes only boilerplate; actual earnings data not provided in this text.","Ticker FMAO; no financial details available for summary."],"consensus_eps_estimate":null,"consensus_eps_actual":1.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253599,"accession_number":"0000950170-24-006995","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-01-24T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Two EVPs to retire; promotions announced at F&M Bank (FMAO) as part of succession plan","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Rex Rice, EVP & Chief Lending Officer, retiring effective March 1, 2024, after 43 years at the bank.","Benét Rupp, EVP & Chief Administrative Officer, retiring effective March 22, 2024.","David Gerken promoted to EVP & Chief Lending Officer; Tim Carsey promoted to SVP & Chief Administrative Officer.","Alexis Smith promoted to SVP & Chief People Officer; Amy Cover promoted to SVP & Chief Marketing Officer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253598,"accession_number":"0000950170-24-004685","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2024-01-16T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Farmers & Merchants Bancorp authorizes repurchase of up to 650,000 shares (4.8% of outstanding) through Dec 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 650,000 shares, representing about 4.8% of outstanding common stock.","Repurchases may be made in open market or privately negotiated transactions; program expires Dec 31, 2024.","Announcement made on January 16, 2024; program begins immediately."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271053,"accession_number":"0000950170-23-071550","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-12-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Farmers & Merchants appoints Ian D. Boyce to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ian D. Boyce appointed to the board of both Farmers & Merchants Bancorp and F&M Bank, effective January 16, 2024.","Board size increases to 13 members; Boyce is founding partner of Dickmeyer Boyce Financial Management, which oversees $300M in AUM.","Non-employee director compensation includes $50,000 annual cash retainer and $15,000 in stock retainer.","Boyce holds a BA from University of Vermont and serves on multiple boards including Parkview Health and the University of St. Francis.","No reportable transactions with the company under Item 404(a) in the past fiscal year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271052,"accession_number":"0000950170-23-055662","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp issues Q3 2023 press release; no financial details in 8-K","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release dated October 26, 2023 covers Q3 2023 earnings for three and nine months ended September 30.","Exhibit 99 is incorporated by reference but not included in the filing text provided here.","Investors should review the separate press release for specific financial figures and segment results.","No earnings numbers, guidance, or comparisons are available from the 8-K body alone."],"consensus_eps_estimate":null,"consensus_eps_actual":1.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287936,"accession_number":"0000950170-23-043146","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K/A","filed_at":"2023-08-17T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Farmers & Merchants Bancorp board elects annual say-on-pay votes after shareholder advisory recommendation","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders recommended annual advisory votes on executive compensation; Board adopted annual frequency.","Decision effective until next required frequency vote under SEC rules.","No other changes from original 8-K filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287937,"accession_number":"0000950170-23-034744","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO Q2 2023 earnings announced; financial details not available in provided text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued on July 26, 2023 for three and six months ended June 30, 2023.","No specific financial figures (revenue, EPS, etc.) are included in the 8-K body.","Exhibit 99 (press release) is referenced but not appended to the user submission.","Investors should refer to the full press release for actual results."],"consensus_eps_estimate":null,"consensus_eps_actual":0.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308287,"accession_number":"0000950170-23-013502","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-04-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp issues Q1 2023 earnings press release; no financial details in 8-K filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release announced on April 19, 2023, covering the three months ended March 31, 2023.","Exhibit 99 contains the full earnings release but was not provided in the filing text.","Investors are directed to the press release for specific revenue, EPS, and other financial data.","The filing is procedurally required under Item 2.02; no operational updates are disclosed in this report."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308286,"accession_number":"0000950170-23-013393","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-04-19T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"FMAO shareholders elect 12 directors and approve all proposals at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected with strong support; votes for ranged from 7.2M to 8.0M shares.","Advisory say-on-pay passed with ~7.27M for vs 677K against; annual frequency preferred.","Charter amendments approved: eliminate preemptive rights and create 100K shares of flexible preferred stock.","Ratification of FORVIS as independent auditor for FY2023 passed with 10.38M votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327146,"accession_number":"0000950170-23-002051","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-02-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp reports Q4/FY 2022 earnings; no figures in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Earnings press release for three and twelve months ended Dec 31, 2022 furnished as Exhibit 99.","Specific financial results not included in the 8-K body; refer to attached exhibit.","Earnings release covers quarterly and annual periods ending December 31, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":2.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327145,"accession_number":"0000950170-23-001074","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2023-01-24T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"FMAO Board authorizes repurchase of up to 650,000 shares (~4.8% of outstanding) through Dec 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 650,000 shares, representing ~4.8% of outstanding common stock.","Repurchases may be made in open market or privately negotiated transactions.","Authorization effective January 24, 2023 through December 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344879,"accession_number":"0000950170-22-019741","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-10-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp reports Q3 2022 earnings; no specifics in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued Oct 19, 2022, attached as Exhibit 99.1 but not provided in filing.","No financial figures (revenue, EPS) available from the 8-K body.","Earnings details are not summarized; investor must consult the full press release."],"consensus_eps_estimate":null,"consensus_eps_actual":1.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344878,"accession_number":"0001193125-22-256025","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-10-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"F&M completes acquisition of People-Sidney Financial Corp, assets reach $2.8B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Completed acquisition of People-Sidney Financial (PPSF) and its subsidiary Peoples Federal as of Oct 1, 2022.","Peoples Federal had $132.5M in assets; combined company assets now approximately $2.8 billion.","Post-acquisition: 33 branches, $2.3B deposits, $2.1B loans as of June 30, 2022.","System conversion scheduled for Dec 5, 2022; branch signage transitioned on Oct 1.","Marks fifth acquisition since 2019; expands presence in Sidney and Shelby County, Ohio."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361343,"accession_number":"0001193125-22-247516","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-09-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Farmers & Merchants appoints Eric Faust as CRO; promotes Benét Rupp to EVP","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eric Faust, 36, appointed SVP & Chief Risk Officer; base salary $240k; signing bonus $12k cash + ~$10k restricted stock.","Benét Rupp, 56, promoted to Executive VP from Chief Administrative Officer; base salary $226.5k; awarded 1,500 shares.","Both eligible for annual bonuses, long-term incentive, $600/mo auto allowance, and change-in-control agreements.","No family relationships or reportable transactions with the company (each >$120k)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361342,"accession_number":"0001564590-22-026184","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FMAO reports Q2 2022 earnings; no financial data in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release dated July 21, 2022 covers three and six months ended June 30, 2022.","No specific financial results (e.g., EPS, revenue) are included in the 8-K text.","Full earnings results are available in a separate press release issued by the company."],"consensus_eps_estimate":null,"consensus_eps_actual":1.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380624,"accession_number":"0001193125-22-174225","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-06-15T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"F&M Bancorp to acquire Peoples-Sidney Financial for ~$27M in stock/cash","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Transaction valued at ~$27M based on FMAO closing price of $34.28 on June 14, 2022.","PPSF shareholders elect 0.6597 FMAO shares or $24 cash per share; minimum 65% stock consideration.","Deal expected to be 2.5% accretive to 2023 EPS and 3.9% accretive to 2024 EPS; TBV dilution ~2.1% with 3.25-year earnback.","PPSF had $132.7M assets, $99.9M loans, $114.8M deposits at March 31, 2022.","Transaction expected to close Q3/Q4 2022, subject to regulatory and PPSF shareholder approvals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380623,"accession_number":"0001564590-22-014786","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp reports record Q1 net income of $8.1M, EPS $0.62","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income rose 65% to $8.1M; EPS up 40.9% to $0.62 from $0.44 YoY.","Total loans reached record $1.962B, up 46.3% YoY; organic loan growth 22% excluding acquisitions and PPP.","Deposits grew 33.8% to record $2.254B; cost of interest-bearing liabilities improved to 0.45%.","Nonperforming loans were 0.44% of total loans; net charge-offs to average loans were 0.00% for fourth straight quarter.","Quarterly dividend increased 11.8% to $0.19 per share; 27 consecutive years of annual dividend growth."],"consensus_eps_estimate":null,"consensus_eps_actual":0.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380622,"accession_number":"0001564590-22-014529","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-04-15T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"Farmers & Merchants Bancorp COO Edward Leininger resigns, effective May 27, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["EVP and COO Edward Leininger resigned; will continue in role and assist transition until May 27, 2022.","Leininger served since 1981; Board expressed appreciation for his dedication.","At Annual Meeting, all 12 director nominees elected with strong support (e.g., Briggs: 6,897,785 for, 386,307 withheld).","Advisory vote ratified BKD, LLP as auditor: 9,657,314 for, 3,333 against, 96,700 abstentions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398702,"accession_number":"0001564590-22-004995","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-02-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp reports Q4/FY2021 earnings; press release not available in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filed 8-K on Feb 14, 2022, announcing earnings for the three and twelve months ended Dec 31, 2021.","Press release attached as Exhibit 99 is not included in provided filing text.","No specific financial figures (EPS, revenue, net income) are available for summary.","Company ticker FMAO trades on NASDAQ Capital Market."],"consensus_eps_estimate":null,"consensus_eps_actual":2.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398701,"accession_number":"0001564590-22-002409","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2022-01-26T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Farmers & Merchants Bancorp authorizes repurchase of up to 600,000 shares (4.6% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized buyback of up to 600,000 shares (~4.6% of outstanding common stock).","Repurchases may be executed via open market or privately negotiated transactions.","Authorization is effective Jan 25, 2022 through Dec 31, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417695,"accession_number":"0001564590-21-051393","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2021-10-21T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"FMAO corrects total loans net table in prior earnings release; no financial impact","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Corrected total loans net as of Sep 30, 2021: $1.4956 billion vs previously misstated figure.","All other financial results in Oct 20 press release unchanged; misstatement was clerical.","Corrected table covers quarterly loan detail back to Sep 2020; filed as Exhibit 99.","No impact on earnings, revenue, or any other reported financial metrics."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417694,"accession_number":"0001564590-21-051292","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2021-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp announces Q3 2021 earnings; specific results not provided","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company issued a press release on October 20, 2021 for Q3 and nine months ended September 30, 2021.","Exhibit 99 containing the press release was referenced but not included in the user input.","Key financial metrics such as EPS, revenue, and net income are unavailable for analysis.","Filing triggered by Item 2.02; no forward-looking guidance or material changes disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":1.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417693,"accession_number":"0001193125-21-288959","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2021-10-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Farmers & Merchants completes acquisition of Perpetual Federal Savings Bank, adding $395M assets","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Completed acquisition of Perpetual Federal Savings Bank, which had ~$395M assets at June 30, 2021.","Combined company now has total assets of ~$2.64B, deposits of $2.23B, and loans of $1.81B.","F&M now operates 31 full-service offices across Ohio, Indiana, and LPOs in Ohio, Indiana, Michigan.","Third acquisition in 12 months; branch signage transitions Oct 4, system conversion on Oct 18."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435266,"accession_number":"0001193125-21-277947","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2021-09-21T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"FMAO gets regulatory nods for Perpetual buy; David Vernon elected director","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Received all federal and state regulatory approvals for acquisition of Perpetual Federal Savings Bank.","Perpetual shareholders voted nearly 98% in favor (64% of votes cast).","Acquisition expected to close on October 1, 2021, within six months of announcement.","David Vernon, a current Perpetual director and funeral home operator, elected to FMAO board effective closing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435265,"accession_number":"0001564590-21-045036","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2021-08-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"F&M Bancorp enters new CEO employment agreement with Lars Eller through 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Base salary of $389,480; three-year term from Sept 1, 2021 to Aug 31, 2024.","Target restricted stock grant of 4,000 shares under Long-Term Equity Incentive Plan.","Change-in-control severance: 2x base salary plus average bonus; 12 months continued benefits.","Non-compete and non-solicit covenants apply during employment and one year post-termination.","Agreement substantially similar to prior contract; F&M parent guarantees performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435264,"accession_number":"0001564590-21-039640","cik":792966,"company_name":"FARMERS & MERCHANTS BANCORP INC","ticker":"FMAO","form_type":"8-K","filed_at":"2021-08-02T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"Farmers & Merchants Bancorp closes $35M subordinated note offering","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $35M aggregate principal of 3.25% fixed-to-floating rate subordinated notes due 2031.","Notes pay 3.25% fixed for 5 years, then SOFR+263 bps; callable after 5 years at par.","Proceeds for general corporate purposes, including acquisitions and organic growth.","Notes qualify as Tier 2 regulatory capital; placed with accredited investors.","Boenning & Scattergood acted as sole placement agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":383719421.9924405,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2021-08-02T23:59:59+00:00|435264"}