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Farmers & Merchants Bancorp functions as the holding company for Farmers & Merchants Bank of Central California, offering a broad spectrum of banking and financial services to both business and individual customers. Its array of deposit products encompasses checking, savings, and money market accounts, along with time certificates of deposit and individual retirement accounts. The institution's lending capabilities are extensive, covering commercial, residential, and construction real estate financing, agribusiness loans, and various consumer credit options. It also provides equipment leasing…
Net income of $24.7 million, up $1.7 million or 7.3% compared to the second quarter of 2025; resulting in basic earnings per common share of $36.77 and diluted earnings per common share of $36.39, up 10.47% compared to the second quarter of 2025; Achieved an annualized return on average assets of 1.71% and return on average equity of 14.84%; Basic earnings per common share of $141.71 over the trailing twelve months, up 11.57% from $127.01 over the trailing period a year ago and up 20.37% versus $117.73 for the same period two years ago; Diluted earnings per common share of $139.94 over the trailing twelve months, up 10.30% from $126.87 over the same trailing period a year ago and up 18.9% versus $117.73 for the same period two years ago; Tangible book value per common share increased 15.38% to $963.82 compared to $835.33 as of June 30, 2025; Net interest income of $57.4 million, up $3.5 million, or 6.46%, compared to the second quarter of 2025; net interest margin (tax equivalent basis) of 4.20%, up from 4.07% in the second quarter of 2025; Total loans and leases grew $80.2 million, or 2.2%, to $3.70 billion, and deposits grew $332.6 million, or 7.0%, to $5.09 billion as of June 30, 2026 compared to June 30, 2025; Capital position strengthened with a total risk-based capital ratio of 16.04%, common equity tier 1 ratio of 14.56%, tier 1 leverage ratio of 11.68% and a tangible common equity ratio of 11.45%; Credit quality remained resilient during the quarter with an allowance for credit losses on gross loans and leases of 2.08%; net charge offs for the quarter of $165,000, a provision for credit losses of $500,000 and non-accrual loans of $2.7 million at quarter-end. LODI, Calif.
Net income of $24. 7 million, up $1. 7 million or 7. 3% compared to the second quarter of 2025; resulting in basic earnings per common share of $36. 77 and diluted earnings per common share of $36.
LODI, Calif. , June 11, 2026 (GLOBE NEWSWIRE) -- Farmers and Merchants Bancorp (OTCQX: FMCB) announced today that Jehna Silva was appointed to the Board of Directors effective as of June 8, 2026. Ms. Silva brings more than 15 years of commercial banking experience to the Board, including extensive knowledge of relationship banking, lending and risk mitigation.
LODI, Calif., June 11, 2026 (GLOBE NEWSWIRE) -- Farmers & Merchants Bancorp (OTCQX: FMCB) announced today that Jehna Silva was appointed to the Board of Directors effective as of June 8, 2026. Ms. Silva brings more than 15 years of commercial banking experience to the Board, including extensive knowledge of relationship banking, lending and risk mitigation. Most recently, she served as Vice President, Shareholder Relations, of the Company where she managed shareholder communications, supported governance and managed shareholder reporting. That combination of community banking depth and shareholder-facing experience positions her to contribute to the Board's strategic oversight while strengthening governance and continued growth.
Farmers & Merchants Bancorp remains a Buy, supported by robust operational metrics, conservative lending, and exceptional credit quality. FMCB's Q1 2026 results showed 7.6% EPS growth, a 15% tangible book value increase, and strong capital ratios, outpacing peers. The bank's disciplined loan-to-deposit ratio (71%) and low deposit costs underpin superior net interest margin and profitability.