---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-26-029401"
form_type: "8-K"
ticker: "FMCB"
cik: "0001085913"
company_name: "FARMERS & MERCHANTS BANCORP"
filed_at: "2026-07-23T18:45:33+00:00"
generated_at: "2026-07-23T18:47:37.172924+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001140361-26-029401
- form_type: 8-K
- ticker: FMCB
- cik: 0001085913
- company_name: FARMERS & MERCHANTS BANCORP
- filed_at: 2026-07-23T18:45:33+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1085913/000114036126029401/0001140361-26-029401-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1085913/000114036126029401/ef20078645_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-029401
- JSON: https://secwatch.observer/filing/0001140361-26-029401.json
- Plain text: https://secwatch.observer/filing/0001140361-26-029401.txt

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