{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-003257","form_type":"8-K","ticker":"FMCB","cik":"0001085913","company_name":"FARMERS & MERCHANTS BANCORP","filed_at":"2026-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.520843+00:00","generated_at":"2026-05-16T05:32:44.107039+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":"Farmers & Merchants Bancorp reports record 2025 net income of $93.6M, EPS up 10.69%","bullets":["Record annual net income $93.6M (+$5.1M YoY); diluted EPS $133.96 (+10.69% YoY).","Net interest margin improved to 4.15% from 4.05%; efficiency ratio 45.52% vs 46.24%.","Total deposits grew 5.93% to $5.0B; loans held for investment $3.7B, down 0.62%.","Non-performing loans 0.02% of total loans; allowance for credit losses 2.08% of loans.","Tangible book value per share $907.24 (+13.33% YoY); total risk-based capital ratio 15.29%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-003257","json":"https://secwatch.observer/filing/0001140361-26-003257.json","markdown":"https://secwatch.observer/filing/0001140361-26-003257.md","text":"https://secwatch.observer/filing/0001140361-26-003257.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126003257/0001140361-26-003257-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126003257/ef20064573_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:32:44.107039+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"}