Farmers & Merchants Bancorp $(FMCB)$ reported record financial results for the full year 2025, with net income reaching USD 93.6 million, an increase of nearly 6%. Diluted earnings per common share for the year were USD 133.96, up 10.69%. For the fourth quarter (Q4), net income was USD 23.8 million, an increase of 9.05%, with diluted earnings per common share at USD 34.29, up 10.22%. Return on average assets for 2025 was 1.67%, and return on average equity was 15.11%. The company’s tangible book value per share rose 13.33% year-over-year to USD 907.24. Interest income for the full year was USD 279.49 million. According to Chairman, President, and Chief Executive Officer Kent Steinwert, Farmers & Merchants Bancorp achieved these results while maintaining a strong liquidity position and balance sheet at year-end, with USD 1.8 billion in cash. The company emphasized its continued focus on disciplined growth, efficiency, and profitability during the period.

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