FMAO: Financial results

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