{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-040188","form_type":"8-K","ticker":"FMCB","cik":"0001085913","company_name":"FARMERS & MERCHANTS BANCORP","filed_at":"2026-10-20T13:00:20+00:00","discovered_at":"2026-10-20T13:01:00.329834+00:00","generated_at":"2026-10-20T13:01:10.401820+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 posts record Q3 2026 net income of $25.1 million, up 5.75%","bullets":["Diluted EPS was $36.75, up 8.34% from $33.92 a year earlier; net interest income rose 5.25% to $58.3 million.","Total loans and leases grew $136.0 million, or 3.77%, to $3.74 billion; deposits increased $85.0 million to $5.0 billion.","Tangible book value per share rose 6.27% to $932.14; total risk-based capital ratio was 16.39% and CET1 14.91%.","Noninterest expense jumped to $35.8 million from $28.9 million, lifting the efficiency ratio to 55.49% from 46.48%.","Accumulated other comprehensive loss rose $33.0 million on securities unrealized losses; FMCB repurchased 4,714 shares for $6.7 million."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-040188","json":"https://secwatch.observer/filing/0001140361-26-040188.json","markdown":"https://secwatch.observer/filing/0001140361-26-040188.md","text":"https://secwatch.observer/filing/0001140361-26-040188.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126040188/0001140361-26-040188-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126040188/ef20083984_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T13:01:10.401820+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"}