FMAO: Leadership change

ITEM 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers On June 30, 2026, the Board of Directors of Farmers & Merchants Bancorp, Inc. (the “Company”) determined to appoint Gregory R. Allen to fill an open vacancy on its Board of Directors. September 29, 2026 will mark Mr. Allen’s first meeting as a member of the Company’s Board of Directors. As a member of the Company’s Board of Directors, Mr. Allen will receive fees in accordance with those paid to non-employee members of the Company’s Board of Directors in general. Effective January 1, 2026, the Company’s Board fee structure for 2026 was set as follows: • Board Chairman Cash Retainer of $75,000 per year; • Board Committee Chair Cash Retainer of $55,000 per year; • Board Audit Committee Chair Cash Retainer of $57,500 per year; • Board Non-Committee Chair Cash Retainer of $50,000 per year; and • In addition to a cash retainer, each Director was awarded the number of shares equivalent to $17,500 from the Long-Term Stock Incentive Plan adopted by the Company in 2025. Shares were awarded immediately preceding the first Thursday in June 2026. Proration of shares provided for service is based on a 365-day calendar year depending on the date a director’s service begins or ends due to retirement. In addition, the Company, through its wholly-owned commercial bank subsidiary, regularly engages in the lending of money to Directors and executive officers, including their related interests. All such loans (i) are made in the ordinary course of business, (ii) are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and (iii) do no