{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-024236","form_type":"8-K","ticker":"FMFG","cik":"0001698022","company_name":"Farmers & Merchants Bancshares, Inc.","filed_at":"2026-07-23T13:01:07+00:00","discovered_at":"2026-07-23T13:02:00.263333+00:00","generated_at":"2026-07-23T13:02:20.505147+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Farmers & Merchants Bancshares Q2 net income $1.9M ($0.58/sh); H1 net income $3.7M ($1.14/sh), up 57% YoY","bullets":["Q2 2026 net income $1.9M ($0.58/sh) vs $1.2M ($0.38/sh) in Q2 2025.","Six-month net income $3.7M ($1.14/sh) vs $2.4M ($0.74/sh) in 2025, up 57%.","Annualized ROAA 0.87% (six months) vs 0.58% in 2025; ROAE 11.23% vs 8.18%.","Net interest income up $2.1M; net yield on earning assets 3.27% vs 2.92%.","No provision for credit losses in 2026 vs $268k in 2025; total assets $874.2M."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-024236","json":"https://secwatch.observer/filing/0001437749-26-024236.json","markdown":"https://secwatch.observer/filing/0001437749-26-024236.md","text":"https://secwatch.observer/filing/0001437749-26-024236.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1698022/000143774926024236/0001437749-26-024236-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1698022/000143774926024236/fmfg20260722_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T13:02:20.505147+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"}