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Farmers & Merchants Bancorp, Inc. Reports 2025 Fourth-Quarter and Full-Year Financial Results

Farmers & Merchants Bancorp, Inc. (FMAO) 
NASDAQ:AMEX Investor Relations: farmers.com
Company Research Source: GlobeNewswire
ARCHBOLD, Ohio, Feb. 12, 2026 (GLOBE NEWSWIRE) -- Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO) today reported financial results for the 2025 fourth quarter and twelve months ended December 31, 2025, on a consolidated basis. 2025 Fourth-Quarter Financial and Operating Highlights(at December 31, 2025, and on a year-over-year basis unless noted) 91 consecutive quarters of profitabilityNet income increased 16.8% to a quarterly record of $9.8 million, or $0.71 per basic and diluted shareNet charge-offs to average loans of 0.01%Tier 1 leverage ratio was 8.81%Cost of interest-bearing liabilities improved to 2.69%, from 3.01%Net interest margin increased by 62 basis points year-over-year to 3.46%Efficiency ratio improved to 58.38%, compared to 59.82%Fourth quarter dividend per share increased 4.0% to $0.92 annualized, reflecting two dividend increases in 2025 and the 31st consecutive annual increase in the Company’s regular dividend payment 2025 Full-Year Financial and Operating High Show less Read more
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