---
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"
generated_at: "2026-10-20T13:01:10.401820+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Farmers & Merchants Bancorp posts record Q3 2026 net income of $25.1 million, up 5.75%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1085913/000114036126040188/0001140361-26-040188-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1085913/000114036126040188/ef20083984_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-040188
- JSON: https://secwatch.observer/filing/0001140361-26-040188.json
- Plain text: https://secwatch.observer/filing/0001140361-26-040188.txt

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