FMAO Q4 net income rises 16.8% to USD 9.8 million

Reuters

Feb 13

FMAO Q4 net income rises 16.8% to USD 9.8 million

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.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Farmers & Merchants Bancorp Inc. published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 9653909) on February 12, 2026, and is solely responsible for the information contained therein.

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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 &amp; <a href=\"https://laohu8.com/S/MBIN\">Merchants Bancorp</a> Inc. also marked its 91st consecutive quarter of profitability.\n      </p>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Farmers &amp; <a href=\"https://laohu8.com/S/MBINL\">Merchants Bancorp</a> Inc. published the original content used to generate this news brief via GlobeNewswire (Ref. 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While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Farmers &amp; <a href=\"https://laohu8.com/S/MBINL\">Merchants Bancorp</a> Inc. published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 9653909) on February 12, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2210149790.SGD","symbol_name":"Natixis Thematics Subscription Economy R/A SGD-H","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260212:nNDLc7lsXW:1","article_id":"2611390895","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2611390895","pubTimestamp":1770931926,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Farmers & Merchants Bancorp Inc. reported financial results for the fourth quarter  and full year  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.Disclaimer: This news brief was created by Public Technologies  using generative artificial intelligence. 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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.\n      \n\n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Farmers & Merchants Bancorp Inc. published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 9653909) on February 12, 2026, and is solely responsible for the information contained therein.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}