---
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"
generated_at: "2026-07-23T13:02:20.505147+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Farmers & Merchants Bancshares Q2 net income $1.9M ($0.58/sh); H1 net income $3.7M ($1.14/sh), up 57% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024236
- JSON: https://secwatch.observer/filing/0001437749-26-024236.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024236.txt

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