• Farmers & Merchants Bancorp posted Q2 net income of $24.7 million, up 7.3% from the year-earlier quarter; diluted EPS rose 10.47% to $36.39.
• Net interest income increased 6.46% to $57.4 million, lifting net interest margin to 4.20% from 4.07% a year earlier.
• Total loans and leases grew 2.2% to $3.70 billion, while deposits climbed 7% to $5.09 billion, pushing the loan-to-deposit ratio down to 73.1%.
• Credit metrics stayed firm with non-accrual loans of $2.7 million; net charge-offs were $165,000, while the allowance for credit losses was 2.08% of gross loans.
• CEO Kent Steinwert cited $278.6 million in cash, no borrowings, $2.1 billion in borrowing capacity; total risk-based capital ratio strengthened to 16.04%.

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 published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 202607201630PRIMZONEFULLFEED9765073) on July 20, 2026, and is solely responsible for the information contained therein.