---
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"
generated_at: "2026-05-17T03:30:12.637574+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-038264
- JSON: https://secwatch.observer/filing/0001140361-25-038264.json
- Plain text: https://secwatch.observer/filing/0001140361-25-038264.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.