Farmers & Merchants Bancorp reports record Q3 net income $23.7M, EPS up 13% YoY

FARMERS & MERCHANTS BANCORP

2025-Q3 EPS reported $99.67

Diluted EPS $33.92, up 13.22% from $29.96; net income $23.7M, up 7.22% YoY.
Net interest income $55.4M, up 6.6% YoY; NIM 4.14% for nine months vs 4.04%.
Tangible book value per share $877.13, up 9.8% from $799.04 a year ago.
Total deposits $4.9B, up 4.0% vs Dec 2024; loan-to-deposit ratio 74.16%; no borrowings.
Credit quality strong: non-accrual 0.03%, net charge-offs 0.03% of avg loans.

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