Farmers & Merchants Bancorp mid-year update: ROA 1.70%, NIM 4.22%, TCE 11.45%

FARMERS & MERCHANTS BANCORP

Assets $5.8B; NIM 4.22%; ROA 1.70%; ROE 14.75%; TCE 11.45%; RBC 16.04% as of June 30, 2026.
Non-performing loans only $2.7M (0.07% of loans); ACL $77.3M (2.08% of loans); net charge-offs YTD $122K.
Ranked #1 Best Bank in California and #5 Best Bank in US by Bank Director's Magazine (Feb 2026).
Dividend: 91 consecutive years, 61 years of increases; repurchased 33,562 shares in 2025, 240 in H1 2026.

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