---
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"
generated_at: "2026-07-20T20:32:06.288697+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers & Merchants Bancorp reports record Q2 net income of $24.7M, EPS up 10.5% YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-028971
- JSON: https://secwatch.observer/filing/0001140361-26-028971.json
- Plain text: https://secwatch.observer/filing/0001140361-26-028971.txt

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