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   <title>Form  8-K        Farmers &amp;amp; Merchants Banc  For: Jan 29</title>
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   <title>Form  8-K        Farmers &amp;amp; Merchants Banc  For: Jan 29</title>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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   <title>Farmers and Merchants Bancshares, Inc. Reports Earnings of $5.8 Million or $1.81 per Share for the Year Ended December 31, 2025</title>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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&lt;p align=&quot;justify&quot;&gt;HAMPSTEAD, Md., Jan.  29, 2026  (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent company of Farmers and Merchants Bank (the “Bank” and, together with the Company, “we”, “us” and “our”), announced that net income for the year ended December 31, 2025 was $5.8 million, or $1.81 per common share (basic and diluted) compared to $4.3 million, or $1.37 per common share (basic and diluted), for the same period in 2024. The Company’s return on average equity during the year ended December 31, 2025 was 9.57% compared to 7.83% for the same period in</description>
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