{"schema_version":"secwatch.filing_event.v1","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","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"confidence":"high","headline":"Farmers & Merchants Bancshares Q3 net income $1.7M ($0.53 EPS); 9-month $4.1M ($1.28 EPS)","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031752","json":"https://secwatch.observer/filing/0001437749-25-031752.json","markdown":"https://secwatch.observer/filing/0001437749-25-031752.md","text":"https://secwatch.observer/filing/0001437749-25-031752.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1698022/000143774925031752/0001437749-25-031752-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1698022/000143774925031752/fmfg20251024_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:11:55.436004+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"}