Company: FMFG
Filing Date: 2025-05-23
Form Type: S-1
Source: 0001437749-25-018314
Chunk: 4

Company: Farmers & Merchants Bancshares, Inc.
Filing Date: 2025-05-23
Form: S-1
Chunk 4
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 FACTORS” starting on page 5. You should also carefully read the additional information described under the headings “WHERE YOU CAN FIND MORE INFORMATION” on page 18 and “INCORPORATION OF CERTAIN INFORMATION BY REFERENCE” on page 19 before making a decision to invest in shares of common stock.

We have not authorized anyone to provide you with information that is different from that contained in this prospectus. No dealer, salesperson or other person is authorized to give any information or to represent anything not contained in this prospectus. You must not rely on any unauthorized information or representation. This prospectus is an offer to sell only the securities offered hereby, but only under circumstances and in jurisdictions where it is lawful to do so. As of the date of this prospectus, stockholders of record who reside in Arizona, California, Ohio, Oregon or any other jurisdiction in which it is unlawful for us to permit participation are not eligible to participate in the Plan. See Question No. 5 in the section below entitled “DESCRIPTION OF THE PLAN”. You should assume that the information in this prospectus is accurate only as of the date on the front of the document and that any information we have, or may in the future, incorporated by reference is accurate only as of the date of the document incorporated by reference, regardless of the time of delivery of this prospectus or any sale of a security.

Unless otherwise mentioned or unless the context requires otherwise, all references in this prospectus to “the Company”, “we”, “us”, “our” and similar terms refer to Farmers and Merchants Bancshares, Inc. and its consolidated subsidiaries.

<div align='center'>SUMMARY</div>

This summary highlights information contained elsewhere in this prospectus. This summary does not contain all of the information you should consider before buying shares in this offering. Therefore, you should read this entire prospectus carefully, including the section entitled “RISK FACTORS” that begins on page 5 and the other information, including our consolidated financial statements and the related notes, that is included or incorporated by reference in this prospectus, before deciding to purchase shares of our common stock.

About the Company

Farmers and Merchants Bancshares, Inc. is a Maryland corporation chartered on August 8, 2016 and a financial holding company registered with the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended. Effective November 1, 2016, the Company consummated a holding company reorganization