secwatch.observer — SEC 8-K summary
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Issuer:     Farmers & Merchants Bancshares, Inc. (FMFG)
CIK:        0001698022
Form:       8-K
Filed at:   2026-07-23T13:01:07+00:00
Accession:  0001437749-26-024236
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1698022/000143774926024236/0001437749-26-024236-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1698022/000143774926024236/fmfg20260722_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-024236

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer