Farmers & Merchants Bancshares FY2025 net income $5.8M, EPS $1.81, up 35% YoY

Farmers & Merchants Bancshares, Inc.

2025-FY EPS reported $1.81

Net income $5.8M ($1.81/share) for 2025 vs $4.3M ($1.37/share) in 2024, a 35% increase.
Q4 2025 net income $1.7M ($0.53/share) vs $0.9M ($0.27/share) in Q4 2024.
Net interest margin widened to 3.01% from 2.68%; loan portfolio grew 9% to $633.1M.
Zero non-accrual loans; asset quality remains strong.
Issued $12.5M subordinated debt in Sept 2025 to repay term loan and boost capital.

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