Farmers & Merchants Bancorp, Inc.

The grade, in three tenses

Headline 4.6 out of ten, 8 of 9 metrics filed and 1 estimated: past 4.0 out of ten, present 5.1 out of ten, future 4.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 1.9 out of ten. 2 warning events since 2017; the latest 2024-08-02. 19th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 8.5 out of ten. +18.5% a year over 10 filed years; profitable in 10 of 10. 85th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 4.0 out of ten. Share count grew 1.2% a year. 40% of cash flow returned. Insiders: 72 sales, 4 purchases. 39th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 4.6 out of ten. ROE 9%: 9¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 46th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 6.8 out of ten. top 32% of 31 in its family; net margin 19.2%. 68th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 3.5 out of ten. bottom 35% of 25 in its family for leadership; chief executive since 2018. 35th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 6.2 out of ten. CrossAssetData estimate 6.2/10, confidence 35 of 100 (one part). 62nd percentile among 33 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
• Growth drivers (future): 4.5 out of ten. bottom 45% of 30 in its family for growth drivers. 45th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 4.1 out of ten. bottom 41% of 29 in its family for expectations against reality. 41st percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-29 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 (on EDGAR). Newest filing: Form 4, 2026-09-25. Filings on record since 1996. Read from EDGAR 2026-10-12.

Who runs it

Eller, Lars B (President & CEO); Sauder, Kevin J (Chairman of the Board); Latta, Marcia Sloan (Vice Chairman of the Board); Britenriker, Barbara J (Exec. Vice President); Faust, Eric D (Chief Risk Officer); Baker, Andrew S (SVP/Chief Strategy Officer); Singhal, Shalini (SVP/Chief Information Officer); Briggs, Andrew J (Director); Gerken, David R (EVP/CLO); Allen, Gregory R (director); and 7 more. 17 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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