{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-038264","form_type":"8-K","ticker":"FMCB","cik":"0001085913","company_name":"FARMERS & MERCHANTS BANCORP","filed_at":"2025-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.759947+00:00","generated_at":"2026-05-17T03:30:12.637574+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Farmers & Merchants Bancorp reports record Q3 net income $23.7M, EPS up 13% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-038264","json":"https://secwatch.observer/filing/0001140361-25-038264.json","markdown":"https://secwatch.observer/filing/0001140361-25-038264.md","text":"https://secwatch.observer/filing/0001140361-25-038264.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1085913/000114036125038264/0001140361-25-038264-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1085913/000114036125038264/ef20057181_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:30:12.637574+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"}