• SEC Filings

FARMERS & MERCHANTS BANCORP Exhibit
EX-20 2 ex20.htm EXHIBIT 20 Exhibit 20   To Our Shareholders It is a pleasure to report that 2017 was another exceptional year for Farmers & Merchants Bancorp. Our strong financial results enabled Farmers & Merchants Bank to remain the only commercial bank in the State of California to receive the BauerFinancial “Five-Star” national rating for 27 consecutive years of strength and profitability. Throughout its 102-year history,…
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About Farmers & Merchants Bancorp (OTCMKTS:FMAO)

Farmers & Merchants Bancorp, Inc. is a bank holding company, which through its bank subsidiary, The Farmers & Merchants State Bank (the Bank), provides a range of financial services to individuals and small businesses through its offices in Northwest Ohio and Northeast Indiana. The Bank engages in general commercial banking business, which include commercial, agricultural and residential mortgage, consumer and credit card lending activities. The Bank’s loan portfolio consists of loans made to customers in the farming industry, such as farm land, farm equipment, livestock and operating loans for seed, fertilizer and feed. Other types of lending activities include loans for home improvements, and loans for such items as autos, trucks, recreational vehicles and motorcycles. It also provides checking account services, as well as savings and time deposit services, such as certificates of deposits. The Bank provides online banking access for consumer and business customers.