Farmers & Merchants Bancorp : 1Q25 Investor Presentation

Published: 2025-05-07 04:16:06 ET FMAO

Published on 05/07/2025 at 04:16

NASDAQ: FMAO

Community vested to help people realize their best lives.

We nurture lasting relationships.

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About F&M

Farmers & Merchants Bancorp, Inc. is the holding company of F&M Bank, a local independent community bank that has been serving its communities since 1897

Top 100 Farm Lending Bank and Top 200 Publicly Traded Community Bank, according to American Banker

Twice named Top 50 Social Media Banks by ICBA

Longstanding history of strong asset quality, robust net income growth, and 30 consecutive years of higher annual dividends

2019 - 2024 Highlights

Total assets grew at a 15.9% CAGR

Net income grew at an 7.1% CAGR

Four successful acquisitions

NASDAQ: FMAO Slide 4

F&M Market Highlights

Ohio

Indiana

Compelling Opportunities Across Strong Markets

Full service independent community bank, with offices serving customers in Northwest Ohio, Northeast Indiana, and Southern Michigan, along the corridors of Interstates 69, 80/90 and 75

In 2023, F&M opened a total of four new bank offices in new markets

Agricultural Land (2)1.5 mil. acres

Offices

25

13

Population (1)

778,859

541,877

Total Businesses (2)

56,045

41,494

1.2 mil.

Acres

including Oxford, OH and Birmingham MI, as well as

Farms (2)5,756 5,939

Avg. Median

expanding their presence

by adding a new regional office in downtown Fort Wayne.

Household

Income (1)

(1)According to U.S. Census Bureau

(2)According to USDA

$57,925 $54,826

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Disclaimer

Farmers & Merchants Bancorp Inc. published this content on May 06, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 07, 2025 at 07:49 UTC.