Farmers & Merchants Bancorp
fmbonline.comWhat Do They Do?
Provides deposit accounts, loans and payment services to small and midsize businesses and individuals in its California service areas.
10-K for FY2025, filed Mar 13, 2026Through its network of banking offices, the Company emphasizes personalized service along with a broad range of banking services to…View ↗
The Company offers a wide range of deposit products. These include checking, savings, money market, time certificates of deposit…View ↗
The Company provides a broad complement of lending products, including commercial, commercial real estate, real estate construction…View ↗
The Company also offers a wide range of specialized services designed for the needs of its commercial accounts. These services include a…View ↗
How Do They Make Money?
The main income comes from interest earned on loans, leases and securities; the bank also charges for customer services as it provides them, either periodically or based on activity.
10-K for FY2025, filed Mar 13, 2026The Company’s results of operations are largely dependent on net interest income. Net interest income is the difference between interest…View ↗
The Company measures its performance by calculating the net interest margin, return on average assets, return on average equity and the…View ↗
The Company’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other…View ↗
$279.5M
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10-K for FY2025, filed Mar 13, 2026
$279.5M ↗
Who Are Their Customers?
Commercial clients can use the bank’s specialized collection, account-management and payment services; individuals can access retail banking, and investment products are offered through a third party.
10-K for FY2025, filed Mar 13, 2026Through its network of banking offices, the Company emphasizes personalized service along with a broad range of banking services to…View ↗
The Company also offers a wide range of specialized services designed for the needs of its commercial accounts. These services include a…View ↗
The Company makes investment products available to customers, including mutual funds and annuities. These investment products are offered…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 33 cents of every revenue dollar as net income in FY2025 and turned 35 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 69% in 4 years, from $165.3M in FY2021 to $279.5M in FY2025, about 14% a year.
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