FMCB Q1 2025 net income $23.0M, diluted EPS $32.86 up 7.6% YoY; NIM expands to 4.20%

FARMERS & MERCHANTS BANCORP

2025-Q1 EPS reported $32.86

Net income $23.0M, diluted EPS $32.86 (+7.6% YoY, +9.9% QoQ); ROAA 1.70%, ROAE 15.65%.
Net interest income $53.1M (+$0.95M QoQ); net interest margin 4.20% (up from 4.09% Q4 2024).
Tangible book value per share $843.33, up 13.49% from $743.08 a year ago.
Total assets $5.7B; deposits up $278.8M to $5.0B; loans down 2.57% QoQ to $3.6B.
Capital strong: total risk-based capital 15.23%, CET1 13.75%; credit quality solid with $193K non-accrual.

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