secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS & MERCHANTS BANCORP (FMCB)
CIK:        0001085913
Form:       8-K
Filed at:   2025-04-16T23:59:59+00:00
Accession:  0001140361-25-014189
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1085913/000114036125014189/0001140361-25-014189-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1085913/000114036125014189/ef20047509_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-25-014189

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