Farmers & Merchants Bancshares Q3 net income $1.7M ($0.53 EPS); 9-month $4.1M ($1.28 EPS)

Farmers & Merchants Bancshares, Inc.

2025-Q3 EPS reported $1.28

Net income for 9 months ended Sep 30, 2025: $4.1M vs $3.4M YoY; basic EPS $1.28 vs $1.09.
Q3 2025 net income $1.7M ($0.53 EPS) vs $1.1M ($0.36 EPS) in Q3 2024.
Net interest income increased $2.4M in 9 months; net yield on earning assets widened to 2.98% from 2.67%.
Loans net of allowance grew $39.5M to $622.5M; zero non-accrual loans at Sep 30, 2025.
Issued $12.5M subordinated debt in Sep 2025 to repay term loan and bolster bank capital.

item 2.02 item 9.01

Machine-readable event card

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accession: 0001437749-25-031752
form_type: 8-K
ticker: FMFG
cik: 0001698022
company_name: Farmers & Merchants Bancshares, Inc.
filed_at: 2025-10-27T23:59:59+00:00
discovered_at: 2026-05-14T18:02:40.173703+00:00
generated_at: 2026-05-17T02:11:55.436004+00:00
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accession 0001437749-25-031752

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