FMAO at a glance
FARMERS & MERCHANTS BANCORP INC (FMAO, SEC CIK 792966) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 29, 2026, an 8-K current report on July 27, 2026 and Form 4 insider filings as recently as September 25, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FARMERS & MERCHANTS BANCORP INC (FMAO) reported revenue of $173.5 million (up 6.1% from FY2024) and net income of $33.3 million. Diluted EPS was $2.43.
- As of June 30, 2026, 23 institutional investment managers tracked by SignalX reported holding FARMERS & MERCHANTS BANCORP INC (FMAO) shares worth $85.3 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Briggs Andrew J on August 18, 2026 of 2,402 shares at $35.05 per share.
- In the last 90 days, FMAO insiders reported 1 open-market purchase ($10K) and 30 open-market sales ($2.8M) on Form 4, a net sale of $2.8M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $173.5M
- +6.1% vs prior year
- Insiders · 90 days
- 1 buy · 30 sells
- Net −$2.8M
- 13F holders
- 23 funds
- $85.3M · +2 vs prior quarter
- Latest 8-K
- Jul 27, 2026
- Item 2.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly net income up 53.01% YoY; year-to-date net income up 45.79%, or over $6.7 million
- Net interest margin 3.48% vs 3.22% YoY; year-to-date margin 3.45% vs 3.13%
- Fixed home-loan originations $16.8 million; sold loans $15.4 million, highest quarterly volumes in two years
- Deposits up $59.7 million since March; cash and equivalents down $17.1 million
- Agricultural headwinds: tight projected 2026 margins and $3.8 million past-due agricultural real-estate loan
Risk Factors
- New regulatory risk: GENIUS Act stablecoin requirements, including reserves, reporting, audits, and supervisory oversight
- Regulatory compliance exposure: Potential stablecoin involvement could increase operating costs and legal uncertainty
- Geopolitical and trade risk: Strait of Hormuz disruptions could raise fertilizer and fuel costs for agricultural borrowers
- Agricultural credit risk: Lower commodity prices and elevated input costs could increase delinquencies, restructurings, and credit-loss provisions
- No material changes: Other 10-K risk factors remained unchanged as of June 30, 2026
AI summary of the FMAO 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 and first-half 2026 earnings announced for periods ended June 30, 2026
- Press release dated July 27, 2026 contains financial results and management commentary
Item EX-99.1: Item EX-99.1
- Q2 net income rose 53.0% year over year to a record $11.8 million, with EPS increasing to $0.86 from $0.56
- Net interest margin expanded to 3.48% from 3.22%, supported by funding-cost improvement to 2.56% from 2.83%
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Gregory R. Allen appointed to fill a Board vacancy, with first meeting scheduled for September 29, 2026
- Director compensation includes $17,500 in annual equity awards plus applicable cash retainers
Item 2.02: Results of Operations and Financial Condition
- Q1 2026 earnings announced for the three months ended March 31, 2026
- Press release dated April 22, 2026 contains financial results and management commentary
Item EX-99.1: Item EX-99.1
- Q1 2026 net income reached a record $9.6M, up 37.8% year over year, with EPS rising to $0.70 from $0.51
- Net interest margin expanded 39 basis points to 3.42%, while funding costs declined to 2.54% from 2.76%
AI summaries of FMAO 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FMAO
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| ALLEN GREGORY R | A | Sep 25, 2026 | 133 | $35.03 |
| FRANK SIMON R. | A | Sep 18, 2026 | 386 | $35.67 |
| Johnston Lori Ann | A | Sep 18, 2026 | 403 | $35.67 |
| Planson Steven J | A | Sep 18, 2026 | 351 | $35.67 |
| SAUDER KEVIN J | A | Sep 18, 2026 | 263 | $35.67 |
| Boyce Ian D | A | Sep 18, 2026 | 176 | $35.67 |
| ALOMARI AHMED | A | Sep 18, 2026 | 176 | $35.67 |
| Briggs Andrew J | Sell | Aug 18, 2026 | 2,402 | $35.05 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $139.8M | $163.6M | $173.5M |
| Net Income | $22.8M | $25.9M | $33.3M |
| Net Margin | 16.3% | 15.9% | 19.2% |
| Balance Sheet | |||
| Total Assets | $3.3B | $3.4B | $3.4B |
| Equity | - | $335.2M | $370.9M |
| ROE | - | 7.7% | 9.0% |
| Per Share | |||
| EPS | $1.67 | $1.90 | $2.43 |
| Cash Flow | |||
| Operating CF | $22.1M | $32.5M | $36.7M |
| CapEx | $10.9M | $1.9M | $1.8M |
Source: XBRL data in FARMERS & MERCHANTS BANCORP INC (FMAO)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FMAO share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 23 | $85.3M |
| Q1 2026 | 21 | $63.4M |
| Q4 2025 | 17 | $59.4M |
| Q3 2025 | 19 | $59.2M |
| Q2 2025 | 18 | $58.1M |
| Q1 2025 | 14 | $32.6M |
| Q4 2024 | 8 | $36.7M |
| Q3 2024 | 6 | $15.6M |
- BlackRock+163.7K (+18%)
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- Vanguard Capital Management LLC+42.6K (+8%)
- Dimensional Fund Advisors+41.5K (+18%)
- Morgan Stanley−16.1K (-45%)
- Goldman Sachs Group−15.1K (-40%)
- Millennium Management−9.4K (-28%)
- Invesco Ltd−3.5K (-22%)
- Bank of America Corp−2.9K (-17%)
- Renaissance Technologies LLC+56.9K
- Ameriprise Financial+12.5K
- Prudential Financial+10.6K
- U.S. Bancorp+38
- Raymond James Financial−135.3K
- Franklin Resources−8.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 126 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FMAO filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 25, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 4 | Jul 29, 2026 | - | - | - |
| 10-Q | Jul 29, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 4 | Jul 24, 2026 | - | - | - |
| 4 | Jul 22, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 15, 2026 | - | - | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 8-K | Jul 7, 2026 | - | Analysis | - |
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FMAO SEC filings: frequently asked questions
Are FMAO insiders buying or selling?
In the last 90 days, FARMERS & MERCHANTS BANCORP INC (FMAO) officers, directors and 10% owners reported 1 open-market purchase worth $10,341 by 1 insider and 30 open-market sales worth $2.8 million by 2 insiders on Form 4, a net sale of $2.8 million. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold FMAO stock?
As of June 30, 2026, the largest FARMERS & MERCHANTS BANCORP INC (FMAO) holders among the 13F filers tracked by SignalX were BlackRock ($33.2 million), Vanguard Capital Management LLC ($17.7 million), Dimensional Fund Advisors ($8.2 million), State Street Corp ($8.2 million), Northern Trust ($3.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FMAO's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FARMERS & MERCHANTS BANCORP INC (FMAO) reported revenue of $173.5 million (up 6.1% from FY2024) and net income of $33.3 million. Diluted EPS was $2.43. The figures come from the XBRL data in the 10-K.
What did FMAO report in its latest 8-K?
FARMERS & MERCHANTS BANCORP INC (FMAO) filed an 8-K on July 27, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 and first-half 2026 earnings announced for periods ended June 30, 2026.
What are the latest FMAO SEC filings?
FARMERS & MERCHANTS BANCORP INC (FMAO) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 29, 2026, an 8-K current report on July 27, 2026 and a Form 4 insider filing on September 25, 2026.
What is FMAO's SEC CIK number?
FARMERS & MERCHANTS BANCORP INC (FMAO)'s SEC Central Index Key (CIK) is 792966. EDGAR lists every FMAO filing under that number.
Ask anything about FMAO
The research agent reads FMAO's filings, financials, insider trades and 13F holders, then answers with sources.