{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-028971","form_type":"8-K","ticker":"FMCB","cik":"0001085913","company_name":"FARMERS & MERCHANTS BANCORP","filed_at":"2026-07-20T20:30:49+00:00","discovered_at":"2026-07-20T20:32:00.414034+00:00","generated_at":"2026-07-20T20:32:06.288697+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Farmers & Merchants Bancorp reports record Q2 net income of $24.7M, EPS up 10.5% YoY","bullets":["Net income $24.7M, up 7.3% YoY; diluted EPS $36.39, up 10.47% from $32.94 in Q2 2025.","Net interest income $57.4M, up 6.46% YoY; net interest margin (tax-equivalent) 4.20%, up from 4.07%.","Total loans $3.70B (+2.2% YoY), deposits $5.09B (+7.0% YoY); loan-to-deposit ratio 73.1%.","Credit quality resilient: net charge-offs $165K (0.005% of avg loans), allowance 2.08% of gross loans.","Capital ratios strengthened: total risk-based capital 16.04%, common equity tier 1 14.56%, tier 1 leverage 11.68%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-028971","json":"https://secwatch.observer/filing/0001140361-26-028971.json","markdown":"https://secwatch.observer/filing/0001140361-26-028971.md","text":"https://secwatch.observer/filing/0001140361-26-028971.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126028971/0001140361-26-028971-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126028971/ef20078246_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-20T20:32:06.288697+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"}