# EDGAR Filing Document

**Accession Number:** 0001085913
**File Stem:** 0001140361-26-020833
**Filing Date:** 2026-5
**Character Count:** 13379
**Document Hash:** 88a834871cff4b2747a7564dc2cb55c7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001140361-26-020833.hdr.sgml**: 20260512

**ACCESSION NUMBER**: 0001140361-26-020833

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20260511

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260512

**DATE AS OF CHANGE**: 20260512

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FARMERS & MERCHANTS BANCORP
- **CENTRAL INDEX KEY:** 0001085913
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 943327828
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-26099
- **FILM NUMBER:** 26969227

**BUSINESS ADDRESS:**
- **STREET 1:** FARMERS AND MERCHANTS BANCORP
- **STREET 2:** 121 WEST PINE ST
- **CITY:** LODI
- **STATE:** CA
- **ZIP:** 95240-2184
- **BUSINESS PHONE:** 2093672411

**MAIL ADDRESS:**
- **STREET 1:** FARMERS AND MERCHANTS BANCORP
- **STREET 2:** 121 WEST PINE ST
- **CITY:** LODI
- **STATE:** CA
- **ZIP:** 95240-2184

?xml version='1.0' encoding='ASCII'?

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### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### WASHINGTON, D.C. 20549

#### FORM 8-K

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#### CURRENT REPORT

#### Pursuant to Section 13 or 15(d)

#### of the Securities Exchange Act of 1934

#### Date of Report (Date of Earliest Event Reported): May 11, 2026

#### Farmers & Merchants Bancorp

#### (Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Delaware**<br>| **000-26099**<br>| **94-3327828**<br>|
| **(State or other jurisdiction of incorporation)** | **(Commission File Number)** | **(I.R.S. Employer Identification No.)** |

---

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| | |
|:---|:---|
| **111 West Pine Street, Lodi, California** | **95240**<br>|
| **(Address of principal executive offices)** | **(Zip Code)** |

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#### Registrant's telephone number, including area code: (209) 367-2300

#### Former name or former address, if changed since last report
Not Applicable

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of each class | **Trading**<br> **Symbol(s)**<br>| **Name of each exchange**<br> **on which registered**<br>|
| None | Not applicable | Not applicable |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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#### Item 8.01 Other Events
On May 11, 2026, Farmers & Merchants Bancorp announced the Board of Directors' declaration of a quarterly cash dividend, a copy of which is included as Exhibit 99 and incorporated herein by reference.

#### Item 9.01 Financial Statements and Exhibits
(d) Exhibits

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| | |
|:---|:---|
| Exhibit No. | Description of Exhibits |
| [99](ef20073206_ex99.htm) | Press release announcing the Board of Directors of Farmers & Merchants Bancorp's declaration of a quarterly cash dividend, a copy of which is included as Exhibit 99 and incorporated herein by reference. |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

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#### SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| **FARMERS & MERCHANTS BANCORP** | **FARMERS & MERCHANTS BANCORP** |
| By | /s/ Bart R. Olson |
|  | Bart R. Olson |
|  | Executive Vice President |
|  | & Chief Financial Officer |

---

Date: May 12, 2026

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## Ex-99

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**Exhibit 99**<br>

![](logo1.jpg)

#### <br>

#### Farmers & Merchants Bancorp (FMCB)

#### Announces Increase in Quarterly Dividend

**Farmers & Merchants Bancorp (OTCQX: FMCB**) (the "Company" or "FMCB"), the parent company of Farmers & Merchants Bank of Central California (the "Bank" or "F&M Bank"), declared a quarterly cash dividend of $5.35 per share, up 4.9% from $5.10 for the previous quarter which was paid on April 1, 2026. Over the trailing twelve months the total cash dividend declared was $20.50 compared to $18.60 for the same trailing period a year earlier. The cash dividend is payable on July 1, 2026, to shareholders of record on June 12, 2026. Based on the Company's financial performance through March 31, 2026, net income over the trailing twelve months was $94.7 million compared with $88.7 million for the same trailing period a year earlier. Diluted earnings per share over the trailing twelve months totaled $136.49, up 10.7% compared with $123.32 for the same trailing period a year ago.

For the quarter ended March 31, 2026, Farmers & Merchants Bancorp reported record net income of $24.1 million, or $35.34 per diluted common share, a 7.6% increase over the prior year. For the first quarter of 2026, annualized return on average assets was 1.68% and return on average equity was 14.69%. Total assets at quarter-end were $5.8 billion. The Company's credit quality remained solid with an allowance for credit losses on loans and leases at quarter-end of 2.12% and a negligible delinquency ratio of 0.01% of total loans and leases as of March 31, 2026. The Company's regulatory capital ratios continued to strengthen during the first quarter of 2026. At March 31, 2026, the Company's common equity tier 1 ratio was 14.23% and the total risk-based capital ratio was 15.71%. All F&M Bank capital ratios exceeded the regulatory requirements to be classified as "well-capitalized" at March 31, 2026. For further details on our first quarter results, please see our press release dated April 20, 2026.

Kent A. Steinwert, Chairman, President and CEO noted, "The Board is very pleased with the Company's strong financial results during the first quarter of 2026 and as a result, on May 11, 2026, the Board unanimously approved our fourth quarterly cash dividend since the Company moved from a semi-annual dividend to a quarterly dividend. This year marks the 91<sup>st</sup> consecutive year that Farmers & Merchants Bancorp has paid cash dividends and the 61<sup>st</sup> consecutive year we have increased dividends. As a result of the consistency of our cash dividends over many decades, we remain a member of a select group of only 57 publicly traded companies referred to as "Dividend Kings" by Sure Dividend where Farmers & Merchants Bancorp is currently ranked 17<sup>th</sup>."

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#### About Farmers & Merchants Bancorp

Farmers & Merchants Bancorp trades on the OTCQX under the symbol FMCB, and is the parent company of Farmers & Merchants Bank of Central California, also known as F&M Bank. Founded in 1916, F&M Bank is a locally owned and operated community bank, which proudly serves California through 33 convenient locations. F&M Bank is financially strong, with $5.8 billion in assets, and is consistently recognized as one of the nation's safest banks by national bank rating firms. The Bank has maintained a 5-Star rating from BauerFinancial for 35 consecutive years, longer than any other commercial bank in the State of California.

Farmers & Merchants Bancorp has paid dividends for 91 consecutive years and has increased dividends for 61 consecutive years. As a result, Farmers & Merchants Bancorp is a member of a select group of only 57 publicly traded companies referred to as "Dividend Kings," and is ranked 17<sup>th</sup> in that group based on consecutive years of dividend increases. A "Dividend King" is a stock with 50 or more consecutive years of dividend increases.

In February 2026, F&M Bank was ranked 5<sup>th</sup> on Forbes Magazine's list of "America's Best Banks" for 2025 and was ranked 1<sup>st</sup> in California. In April 2024, F&M Bank was ranked 6<sup>th</sup> on Forbes Magazine's list of "America's Best Banks" for 2023.

In July 2025, Farmers & Merchants Bancorp was named by Bank Director's Magazine as the #3 best-performing bank in the nation across all asset categories in their annual "Ranking Banking" study of the top performing banks for 2024. In July 2024, Farmers & Merchants Bancorp was named by Bank Director's Magazine as the #2 best-performing bank in the nation across all asset categories in their annual "Ranking Banking" study of the top performing banks for 2023. In July 2023, the Bank was named by Bank Director's Magazine as the #1 best-performing bank in the nation across all asset categories in their annual "Ranking Banking" study of the top performing banks for 2022.

In December 2023, F&M Bank was ranked 4<sup>th</sup> on S&P Global Market Intelligence's "Top 50 List of Best-Performing Community Banks" in the US with assets between $3.0 billion and $10.0 billion for 2023. S&P Global Market Intelligence ranks financial institutions based on several key factors including financial returns, growth, and balance sheet risk profile.

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In October 2021, F&M Bank was named the "Best Community Bank in California" by Newsweek magazine. Newsweek's ranking recognizes those financial institutions that best serve their customers' needs in each state. This recognition speaks to the superior customer service the F&M Bank team members provide to their clients.

F&M Bank was ranked the 20<sup>th</sup> largest bank lender to agriculture in the United States as of December 31, 2025, by American Bankers Association. F&M Bank operates in the mid-Central Valley of California, including Sacramento, San Joaquin, Solano, Stanislaus, and Merced counties and the east region of the San Francisco Bay Area, including Napa, Alameda and Contra Costa counties.

F&M Bank offers a full complement of loan, deposit, equipment leasing and treasury management products to businesses, as well as a full suite of consumer banking products. The FDIC awarded F&M Bank the highest possible rating of "Outstanding" in their last Community Reinvestment Act ("CRA") evaluation.

#### Forward-Looking Statements

This press release may contain certain forward-looking statements that are based on management's current expectations regarding the Company's financial performance. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as "believe," "expect," "intend," "estimate" or words of similar meaning, or future or conditional verbs such as "will," "would," "should," "could" or "may." Forward-looking statements in this press release include, without limitation, statements regarding earnings performance and the frequency and amount of future dividend payments (if any). Forward-looking statements in this press release include matters that involve known and unknown risks, uncertainties and other factors that may cause actual results to differ materially from results expressed or implied by such forward-looking statements. Such risk factors include, among others: the effects of and changes in monetary and fiscal policies, including the interest rate policies of the Federal Reserve Board and their effects on inflation risk; financial and regulatory policies of the United States government; political and economic uncertainty, including any decline in global, domestic or local economic conditions or the stability of credit and financial markets and the impact of tariffs and the conflict in Iran and the Middle East; and other relevant risks detailed in the Company's Form 10-K, Form 10-Qs, and various other securities law filings made periodically by the Company, copies of which are available from the Company's website. All such factors are difficult to predict and are beyond the Company's ability to control or predict. There also may be additional risks that the Company does not presently know, or that the Company currently believes to be immaterial, that could also cause actual results to differ materially and adversely from those contained in these forward-looking statements. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or circumstances after the date of this press release or otherwise, except as may be required by applicable law.

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For more information about Farmers & Merchants Bancorp and F&M Bank, visit fmbonline.com.

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