Farmers & Merchants Bancorp Inc. reported financial results for the fourth quarter (Q4) and full year (FY) ended December 31, 2025. For Q4 2025, net income reached USD 9.8 million, representing a 16.8% increase. Earnings per basic and diluted share for the quarter were USD 0.71. The company achieved a net interest margin of 3.46% for Q4 2025, up by 62 basis points year-over-year. The cost of interest-bearing liabilities improved to 2.69%, compared to 3.01% in the prior-year period, while the efficiency ratio improved to 58.38% from 59.82% over the same period. At the end of the quarter, the Tier 1 leverage ratio stood at 8.81%. Net charge-offs to average loans were 0.01%. Farmers & Merchants Bancorp Inc. also marked its 91st consecutive quarter of profitability.

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