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Farmers & Merchants Bancorp
Farmers & Merchants Bancorp (FMAO) investor relations material
Farmers & Merchants Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved record quarterly and full-year net income, stockholders' equity, and total assets for 2025, with 91 consecutive quarters of profitability.
Sustained organic growth and expanded market presence across Ohio, Indiana, and Michigan.
Profitability driven by core operations, prudent balance sheet management, and disciplined expense control.
Financial highlights
Q4 2025 net income rose 16.8% year-over-year to $9.8 million ($0.71 per share); full-year net income up 28.4% to $33.3 million ($2.43 per share).
Return on average assets improved to 0.99% from 0.78% year-over-year.
Net interest income after provision for credit losses increased 19.3% to $102.2 million for the year.
Total assets grew 2.1% to $3.43 billion; deposits up 1.6% to $2.73 billion.
Tangible book value per share increased 15.0% to $20.40.
Outlook and guidance
Management expects to sustain elevated profitability in 2026, supported by a strong balance sheet and scalable operating model.
A new three-year strategic plan is being developed to drive sustainable performance and long-term value.
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Next Farmers & Merchants Bancorp earnings date
Q1 202627 Apr, 2026
Farmers & Merchants Bancorp
Next Farmers & Merchants Bancorp earnings date
Q1 202627 Apr, 2026
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Frequently asked questions
Farmers & Merchants Bancorp, Inc. operates as the holding company for Farmers & Merchants State Bank, a community bank that offers a range of commercial and retail banking services. The bank primarily serves individuals and small businesses in Northwest Ohio, Northeast Indiana, and parts of Michigan. Its services include checking and savings accounts, certificates of deposit, and custodial services for retirement and health savings accounts. The company also provides various lending options, including commercial, agricultural, residential mortgage, consumer, and home improvement loans. Additionally, Farmers & Merchants Bancorp offers online and mobile banking, along with other digital financial services like remote deposit capture. The company is headquartered in Archbold, Ohio, and its shares are listed on the NASDAQ.
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