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Farmers & Merchants Bancshares, Inc.

For the period ended Dec 31, 2025. Filed Mar 26, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 26, 2026

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Item 16. FORM 10-K SUMMARY

None.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

FARMERS AND MERCHANTS BANCSHARES, INC.
Dated: March 26, 2026By:/s/ Gary A. Harris
Gary A. Harris
President and Chief Executive Officer
(Principal Executive Officer)

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated.

/s/ Gary A. Harris/s/ Roger D. Cassell
Gary A. Harris, Director, PresidentRoger D. Cassell, Director
and Chief Executive OfficerMarch 26, 2026
(Principal Executive Officer)
/s/ Steven W. Eline/s/ Edward A. Halle, Jr.
Steven W. Eline, DirectorEdward A. Halle, Jr., Director
March 26, 2026March 26, 2026
/s/ Ronald W. Hux/s/ Paul B. Susie
Ronald W. Hux, DirectorPaul B. Susie, Treasurer and Chief Financial Officer
March 26, 2026(Principal Financial Officer and Principal Accounting Officer)
/s/ Bruce L. Schindler/s/ James R. Bosley, Jr.
Bruce L. Schindler, DirectorJames R. Bosley, Jr., Director
March 26, 2026March 26, 2026
/s/ Teresa L. Smack
Teresa L. Smack, Director
/s/ Emily B. Miller
Emily B. Miller, Director
/s/ Robert G. Pollokoff
Robert G. Polokoff, Director
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