FMAO: Financial results

ITEM 2.02. Results of Operation and Financial Condition On July 27, 2026, Farmers & Merchants Bancorp, Inc. issued a press release (the “Release”) announcing its earnings for the three and six months ended June 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 July 27, 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: July 27, 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