secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS & MERCHANTS BANCORP (FMCB)
CIK:        0001085913
Form:       8-K
Filed at:   2026-07-20T20:30:49+00:00
Accession:  0001140361-26-028971
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1085913/000114036126028971/0001140361-26-028971-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1085913/000114036126028971/ef20078246_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-26-028971

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