FARMERS & MERCHANTS BANCORP INC

0000792966 false 0000792966 2026-10-22 2026-10-22 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15( d ) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reporte d) October 22, 2026 Farmers & Merchants Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Ohio 001-38084 34-1469491 (State or Other Jurisdiction (Commission (IRS Employer of Incorporation) File Number) Identification No.) 307 North Defiance Street , Archbold , Ohio 43502 (Address of Principal Executive Offices) (Zip Code) Registrant's Telephone Number, including Area Code (419) 446-2501 N/A (Former Name or Former Address, if Changed Since Last Report) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of Each Exchange Common Stock, No Par Value FMAO NASDAQ Capital Market 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 (see General Instruction A.2. below): ☐ 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)) 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. ☐ ITEM 2.02. Results of Operation and Financial Condition On October 22, 2026, Farmers & Merchants Bancorp, Inc. issued a press release (the “Release”) announcing its earnings for the three and nine months ended September 30, 2026. A copy of the press release is attached hereto as Exhibit 99 and is incorporated by reference herein. ITEM 9.01. Financial Statements and Exhibits (d) Exhibits. Exhibit Number Exhibit 99 Company Press Release dated October 22, 2026 104 The Cover Page Interactive Data File (embedded within the Inline XBRL document) Signatures 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 authorized. FARMERS & MERCHANTS BANCORP, INC. (Registrant) Dated: October 22, 2026 /s/ Lars B. Eller Lars B. Eller President and Chief Executive Officer /s/ Barbara J. Britenriker Barbara J. Britenriker Executive Vice President and Chief Financial Officer