{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-22-014786","form_type":"8-K","ticker":"FMAO","cik":"0000792966","company_name":"FARMERS & MERCHANTS BANCORP INC","filed_at":"2022-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.718649+00:00","generated_at":"2026-06-26T06:21:49.420770+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Farmers & Merchants Bancorp reports record Q1 net income of $8.1M, EPS $0.62","bullets":["Net income rose 65% to $8.1M; EPS up 40.9% to $0.62 from $0.44 YoY.","Total loans reached record $1.962B, up 46.3% YoY; organic loan growth 22% excluding acquisitions and PPP.","Deposits grew 33.8% to record $2.254B; cost of interest-bearing liabilities improved to 0.45%.","Nonperforming loans were 0.44% of total loans; net charge-offs to average loans were 0.00% for fourth straight quarter.","Quarterly dividend increased 11.8% to $0.19 per share; 27 consecutive years of annual dividend growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-22-014786","json":"https://secwatch.observer/filing/0001564590-22-014786.json","markdown":"https://secwatch.observer/filing/0001564590-22-014786.md","text":"https://secwatch.observer/filing/0001564590-22-014786.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/792966/000156459022014786/0001564590-22-014786-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/792966/000156459022014786/fmao-8k_20220331.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T06:21:49.420770+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"}