{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-026105","form_type":"8-K","ticker":"FMCB","cik":"0001085913","company_name":"FARMERS & MERCHANTS BANCORP","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.302220+00:00","generated_at":"2026-05-18T05:54:27.024554+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FMCB reports record Q2 net income of $23.1M; diluted EPS up 12.1% YoY","bullets":["Net income $23.1M (+5.9% YoY); diluted EPS $32.94 (+12.1% YoY).","Net interest income $53.9M (+6.1% YoY); NIM 4.07% (tax-equivalent) vs 3.91% YoY.","Tangible book value per share rose 9.7% to $835.33; mid-year dividend increased 5.7% to $9.30/share.","No non-accrual loans at June 30; net charge-off ratio 0.02%; provision $1.4M (vs $0 in Q2 2024).","Capital strengthened: total risk-based 15.35%, CET1 13.87%; bought back 4,546 shares for $5.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-026105","json":"https://secwatch.observer/filing/0001140361-25-026105.json","markdown":"https://secwatch.observer/filing/0001140361-25-026105.md","text":"https://secwatch.observer/filing/0001140361-25-026105.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1085913/000114036125026105/0001140361-25-026105-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1085913/000114036125026105/ef20052118_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:54:27.024554+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}