FMAO on Nasdaq

FARMERS & MERCHANTS BANCORP INC

FARMERS & MERCHANTS BANCORP INC is an American savings institution company based in Archbold, incorporated in Ohio.1 Its shares trade on Nasdaq under the symbol FMAO.1

Price unavailable

Last updated Oct 20, 2026.

Overview

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  • TickerFMAO on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersArchbold, Ohio1
  • Incorporated inOH2
  • Business address307-11 N Defiance St, Archbold, Oh 435022
  • Filer categoryAccelerated filer2
  • Legal formCorporation

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Farmers & Merchants Bancorp, Inc. (Company) is a bank holding company incorporated under the laws of Ohio in 1985 and elected to become a financial holding company under the Federal Reserve in 2014. Our primary subsidiary, The Farmers & Merchants State Bank (Bank) is a local independent community bank that has been primarily serving Northwest Ohio, Northeast Indiana and Southeast Michigan since 1897. Our other subsidiary, Farmers & Merchants Risk Management (Captive) was a captive insurance company formed in December 2014, located in Nevada and dissolved in December 2023. The Bank includes F&M Insurance Agency, LLC, a subsidiary offering insurance products, which was formed in November 2023. We report our financial condition and net income on a consolidated basis and have only one segment.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Financial Service, Other brought in 78% of the revenue FARMERS & MERCHANTS BANCORP INC broke down this way in fiscal 2025.

  1. Financial Service, Other$5.0M478%up 12% from 2024
  2. Bank Servicing$1.4M422%up 7% from 2024
Products and services by year
Products and services202320242025
Financial Service, Other$4.3M$4.5M$5.0M
Bank Servicing$1.3M$1.3M$1.4M

Financial statements

Net income56784$33.3M in 2025+81% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $18.4M$18.4M20192020: $20.1M$20.1M2020+9%2021: $23.5M$23.5M2021+17%2022: $32.5M$32.5M2022+38%2023: $22.8M$22.8M2023−30%2024: $25.9M$25.9M2024+14%2025: $33.3M$33.3M2025+28%

Every line of the income statement as filed: the last 3 fiscal years (annual) or 8 quarters (quarterly), latest first.4

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$158.6M$145.3M$129.3M
U.S. Treasury and government agencies$8.8M$5.5M$4.1M
Municipalities$1.5M$1.6M$1.6M
Dividends$1.2M$1.4M$882.0K
Federal funds sold$0$45.0K$44.0K
Other$3.4M$9.7M$3.9M
Total interest income$173.5M$163.6M$139.8M
Deposits$58.2M$64.5M$46.9M
Federal funds purchased and securities sold under agreements to repurchase$1.0M$1.1M$1.5M
Borrowed funds$8.9M$10.9M$8.9M
Subordinated notes$1.1M$1.1M$1.1M
Total interest expense$69.3M$77.7M$58.4M
Net Interest Income - Before Provision for Credit Losses$104.3M$85.9M$81.4M
Provision for Credit Losses - Loans$2.6M$944.0K$1.7M
Provision for (Recovery of) Credit Losses - Off Balance Sheet Credit Exposures-$506.0K-$671.0K$46.0K
Net Interest Income After Provision for Credit Losses$102.2M$85.6M$79.7M
Interchange income$5.2M$5.4M$5.3M
Loan servicing income$2.9M$2.5M$4.4M
Net gain on sale of loans$1.3M$859.0K$699.0K
Increase in cash surrender value of bank owned life insurance$1.4M$965.0K$834.0K
Net gain (loss) on sale of other assets owned-$41.0K$71.0K-$135.0K
Net loss on sale of available-for-sale securities$0$0-$891.0K
Total consolidated noninterest income$17.1M$15.6M$15.9M
Salaries and wages$31.6M$30.2M$26.9M
Employee benefits$9.3M$8.5M$7.5M
Net occupancy expense$4.4M$4.2M$3.8M
Furniture and equipment$5.6M$5.3M$5.0M
Data processing$3.7M$1.4M$3.1M
Franchise taxes$1.6M$1.5M$1.5M
ATM expense$2.6M$1.7M$2.6M
Advertising$2.2M$2.1M$2.6M
FDIC assessment$1.7M$2.1M$2.0M
Servicing rights amortization - net$1.6M$818.0K$611.0K
Loan expense$1.2M$960.0K$1.1M
Consulting fees$1.7M$877.0K$832.0K
Professional fees$1.9M$1.8M$1.4M
Intangible asset amortization$1.8M$1.8M$1.8M
Other general and administrative$5.9M$5.4M$6.4M
Total noninterest expense$76.8M$68.7M$67.2M
Net income before income taxes$42.5M$32.6M$28.4M
Income Taxes$9.2M$6.6M$5.6M
Net Income$33.3M$25.9M$22.8M
Basic Earnings Per Share$2.43$1.90$1.67
Diluted Earnings Per Share$2.43$1.90$1.67
Dividends Declared$0.90$0.88$0.85

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What it owns

What FARMERS & MERCHANTS BANCORP INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$79.7M4 Dec 31, 2025$79.5M4 Dec 31, 2024+0.3%
Accumulated depreciation$47.9M4 Dec 31, 2025$45.7M4 Dec 31, 2024+4.8%
Property and equipment, net$31.9M4 Dec 31, 2025$33.8M4 Dec 31, 2024−5.8%
Operating-lease assets (leased space)$5.6M4 Dec 31, 2025$6.4M4 Dec 31, 2024−12.6%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$422.1M4 Dec 31, 2025$426.6M4 Dec 31, 2024−1.1%
Deposits held (banks)$2.7B4 Dec 31, 2025$2.7B4 Dec 31, 2024+1.6%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$86.4M4 Dec 31, 2025$86.4M4 Dec 31, 20240%

Properties, in its own words

Our principal office is located in Archbold, Ohio.

The Bank operates from its principal office located at 307 North Defiance Street, Archbold, Ohio. In addition, the Bank owns the property from 200 to 208 Ditto Street, Archbold, Ohio, which it uses for Bank parking and a community mini-park area. The Bank owns real estate at two locations, 207 Ditto Street and 209 Ditto Street in Archbold, Ohio upon which the bank built a commercial building to be used for storage, and a parking lot for company vehicles and employee parking. The Bank also owns real estate across from the main facilities to provide for parking.

The rest of Item 2

The Bank occupies an Operations Center at 620 S. Clyde’s Way in Archbold, Ohio to accommodate our growth over the years which includes drive-up services. The Bank owns a parking lot in downtown Montpelier which is provided for community use.

The Bank owns all of its office locations, with the exception of the asterisked offices below. These nine office locations are leased.

The Bank currently maintains retail banking offices at the following locations:

Office · Location · Date Opened

Archbold, Ohio · 307 N Defiance Street · 04/1897

Wauseon, Ohio · 1130 N Shoop Avenue · 11/1973

Stryker, Ohio · 300 S Defiance Street · 03/1981

West Unity, Ohio · 200 W Jackson Street · 10/1981

Delta, Ohio · 101 Main Street · 06/1985

Bryan, Ohio · 1000 S Main Street · 06/1992

Napoleon, Ohio · 2255 Scott Street · 02/1995

Montpelier, Ohio · 1150 E Main Street · 06/1998

Swanton, Ohio · 7 Turtle Creek Circle · 11/1999

Defiance, Ohio · 1175 Hotel Drive · 07/2001

Perrysburg, Ohio · 7001 Lighthouse Way · 11/2007

Butler, Indiana · 200 S Broadway · 12/2007

Auburn, Indiana* · 406 Smaltz Way · 12/2007

Angola, Indiana* · 2310 N Wayne Street · 08/2008

Hicksville, Ohio · 100 N Main Street · 07/2010

Waterville, Ohio · 8720 Waterville-Swanton Road · 05/2013

Custar, Ohio · 22973 Defiance Pike · 12/2013

Sylvania, Ohio · 5830 Monroe Street · 08/2014

Fort Wayne, Indiana · 12106 Lima Road · 04/2016

Bowling Green, Ohio* · 1072 N Main Street · 10/2016

Findlay, Ohio · 1660 Tiffin Avenue · 01/2018

Geneva, Indiana · 215 E Line Street · 01/2019

Monroe, Indiana · 150 W Washington Street · 01/2019

Berne, Indiana · 718 US Highway 27 N · 01/2019

Portland, Indiana · 1451 N Meridian Street · 01/2019

Decatur, Indiana · 1118 S 13th Street · 01/2019

Fort Wayne, Indiana · 7370 Illinois Road · 04/2021

Ossian, Indiana · 102 N Jefferson Street · 04/2021

Bluffton, Indiana* · 111 E Oak Forest Drive · 04/2021

Urbana, Ohio · 120 N Main Street · 10/2021

Sidney, Ohio · 101 E Court Street · 10/2022

Anna, Ohio · 403 S Pike Street · 10/2022

Jackson Center, Ohio · 115 E Pike Street · 10/2022

Oxford, Ohio* · 335 S College Avenue · 04/2023

Toledo, Ohio* · 120 N Summit Street · 06/2023

Birmingham, Michigan* · 220 Park Street, Suite 104 · 10/2023

Fort Wayne, Indiana* · 128 W Wayne Street · 10/2023

Troy, Michigan* · 3001 West Big Beaver Road · 10/2025

All offices except the Butler, Indiana location have onsite ATM services.

The Bank’s LPOs at the following locations are all leased:

LPO · Location

Muncie, Indiana · 1208 W White River Boulevard

Bryan, Ohio · 206 W High Street

Perrysburg, Ohio · 5203 Levis Commons Boulevard

F&M Insurance Agency, LLC operates from our principal office at 307 North Defiance Street; Archbold, OH 43502.

Item 2 of the 10-K filed Feb 27, 2026.3

Leadership

Who has led FARMERS & MERCHANTS BANCORP INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Paul S. Siebenmorgen2006–2019
  2. Lars B. Eller2018–now

Chair

  1. Kevin J. Sauder2026–now

President

  1. Paul S. Siebenmorgen2006–2019
  2. Lars B. Eller2018–now
2010201520202025
Board members and other officers (40)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorAndrew J. Briggs named Jan 11, 202253
  • DirectorFrank R. Simon named Jan 11, 202253
  • DirectorJack C. Johnson named Jan 11, 202253
  • DirectorLori A. Johnston named Jan 11, 202253

Timeline

  1. Jul 27, 20268-K Results of operations54
  2. Jul 7, 20268-K Executive or director change55
  3. Apr 22, 20268-K Results of operations56
  4. Apr 21, 20268-K Shareholder vote57
  5. Feb 12, 20268-K Results of operations58
  6. Jan 27, 20268-K Other events59
  7. Oct 27, 20258-K Results of operations60
  8. Aug 7, 20258-K Regulation FD disclosure61
  9. Jul 28, 20258-K Results of operations62
  10. Jun 25, 20258-K Executive or director change; Other events63
  11. May 20, 20258-K Executive or director change; Other events64
  12. Apr 28, 20258-K Results of operations65
  13. Sep 18, 2018New chief executive Lars B. Eller becomes CEO12
  14. Mar 15, 2006New chief executive Paul S. Siebenmorgen becomes CEO13

Filings

283 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 48 major events, 170 insider forms, 2 large holders, 1 private raises, 41 other. The latest 20:

  1. Sep 25, 20264 EDGAR
  2. Sep 21, 20264 EDGAR
  3. Sep 21, 20264 EDGAR
  4. Sep 21, 20264 EDGAR
  5. Sep 21, 20264 EDGAR
  6. Sep 21, 20264 EDGAR
  7. Sep 21, 20264 EDGAR
  8. Aug 18, 20264 EDGAR
  9. Aug 17, 2026144 EDGAR
  10. Aug 14, 20264 EDGAR
  11. Aug 12, 20264 EDGAR
  12. Aug 10, 2026144 EDGAR
  13. Aug 7, 20264 EDGAR
  14. Aug 6, 20264 EDGAR
  15. Aug 5, 20264 EDGAR
  16. Aug 3, 2026144 EDGAR
  17. Aug 3, 20264 EDGAR
  18. Jul 31, 20264 EDGAR
  19. Jul 29, 202610-Q EDGAR
  20. Jul 29, 20264 EDGAR

The 283 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

97 open-market trades by officers, directors and large owners since October 2021: 24 buys and 73 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 18, 2026Briggs Andrew JDirectorSale2,402$35.05$84.2KForm 4
Aug 17, 2026Briggs Andrew JDirectorSale3,000$35.11$105.3KForm 4
Aug 14, 2026Briggs Andrew JDirectorSale3,000$35.38$106.1KForm 4
Aug 13, 2026Briggs Andrew JDirectorSale3,000$35.19$105.6KForm 4
Aug 12, 2026Briggs Andrew JDirectorSale3,000$34.94$104.8KForm 4
Aug 11, 2026Briggs Andrew JDirectorSale3,000$34.46$103.4KForm 4
Aug 10, 2026Briggs Andrew JDirectorSale3,000$34.54$103.6KForm 4
Aug 7, 2026Briggs Andrew JDirectorSale3,000$34.08$102.2KForm 4
Aug 6, 2026Briggs Andrew JDirectorSale3,000$34.24$102.7KForm 4
Aug 6, 2026Gerken David REVP/CLOSale1,000$33.72$33.7KForm 4
Aug 5, 2026Briggs Andrew JDirectorSale3,000$34.76$104.3KForm 4
Aug 4, 2026Briggs Andrew JDirectorSale3,000$33.67$101.0KForm 4
Aug 3, 2026Briggs Andrew JDirectorSale3,000$33.69$101.1KForm 4
Aug 3, 2026ALLEN GREGORY RDirectorBuy300$34.47$10.3KForm 4
Jul 31, 2026Briggs Andrew JDirectorSale3,000$33.07$99.2KForm 4
Jul 30, 2026Briggs Andrew JDirectorSale3,000$34.86$104.6KForm 4
Jul 29, 2026Briggs Andrew JDirectorSale3,000$34.48$103.4KForm 4
Jul 28, 2026Briggs Andrew JDirectorSale3,000$31.59$94.8KForm 4
Jul 27, 2026Briggs Andrew JDirectorSale3,000$30.98$92.9KForm 4
Jul 24, 2026Briggs Andrew JDirectorSale3,000$30.44$91.3KForm 4

All 97 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

2 such filings since October 2021:

  1. Jan 31, 2024SC 13G/A
  2. Feb 9, 2023SC 13G

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Lars B. EllerPresident and Chief Executive Officer (PEO)59$519.8K$969.3K66
2025Barbara J. BritenrikerExecutive Vice President (PFO)64$294.4K$520.8K66
2025Andrew S. BakerSenior Vice President53$259.7K$487.2K66
2025David R. GerkenExecutive Vice President54$260.1K$447.9K66
2025Eric D. FaustExecutive Vice President39$267.9K$434.2K66
2024Lars B. EllerPresident and Chief Executive Officer (PEO)59$504.7K$910.2K66
2024Barbara J. BritenrikerExecutive Vice President (PFO)64$281.7K$481.8K66
2024David R. GerkenExecutive Vice President54$248.8K$400.0K66
2024Eric D. FaustExecutive Vice President39$252.1K$363.8K66
2023Lars B. EllerPresident and Chief Executive Officer (PEO)59$490.0K$701.9K66
2023Barbara J. BritenrikerExecutive Vice President (PFO)64$260.2K$361.9K66

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Jul 30, 2021Raised $35 million in a private offering of debt Form D: 33 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,087,009$33.2M0.0%+163,682
Vanguard Capital Management LLC577,302$17.7M0.0%+42,564
Geode Capital Management, LLC334,406$10.2M0.0%+25,199
Manufacturers Life Insurance Company, The289,178$8.8M0.0%−1,442
Dimensional Fund Advisors LP268,387$8.2M0.0%+41,470
State Street Corp268,035$8.2M0.0%+43,697
Goelzer Investment Management, Inc.223,604$6.8M0.3%−105,000
American Century Companies Inc186,959$5.7M0.0%+125,458
Mendel Money Management115,877$3.5M1.3%−7,201
Northern Trust Corp106,346$3.3M0.0%+11,410
Gryphon Financial Partners LLC100,185$3.1M0.3%No change
Vanguard Portfolio Management LLC90,988$2.8M0.0%+18,163
Quantinno Capital Management LP85,334$2.6M0.0%+47,293
Vanguard Fiduciary Trust Co84,903$2.6M0.0%−1,301
Aqr Capital Management LLC74,087$2.3M0.0%+59,169
Segall Bryant & Hamill, LLC68,167$2.1M0.0%+16,793
Renaissance Technologies LLC56,881$1.7M0.0%New
Citadel Advisors LLC55,111$1.7M0.0%+36,077
Bank of New York Mellon Corp49,847$1.5M0.0%+4,712
Charles Schwab Investment Management Inc39,291$1.2M0.0%+5,350
Fort Washington Investment Advisors Inc /oh/34,233$1.0M0.0%No change
Bridgeway Capital Management, LLC34,187$1.0M0.0%+19,624
Trexquant Investment LP33,062$1.0M0.0%+12,711
Venture Visionary Partners LLC31,008$948.3K0.0%+38
Empowered Funds, LLC29,657$906.9K0.0%New

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

20 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jul 20, 2026Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+10.1%Report
Jun 4, 2026Robert E. LattaRepublican, HouseBuy$15,001 - $50,000+24.1%Report
Apr 20, 2026Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+20.2%Report
Jan 20, 2026Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+24.9%Report
Oct 20, 2025Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+26.4%Report
Jul 20, 2025Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+9.1%Report
Jun 5, 2025Robert E. LattaRepublican, HouseBuy$15,001 - $50,000+23.7%Report
Apr 20, 2025Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+5.1%Report
Jan 20, 2025Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+0.8%Report
Oct 20, 2024Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−4.0%Report
Jul 20, 2024Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−4.3%Report
Jun 6, 2024Robert E. LattaRepublican, HouseBuy$15,001 - $50,000+27.2%Report
Apr 20, 2024Robert E. LattaRepublican, HouseBuy$1,001 - $15,000+12.2%Report
Jan 22, 2024Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−8.7%Report
Jun 1, 2023Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−7.5%Report
Apr 20, 2023Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−39.0%Report
Jan 20, 2023Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−69.9%Report
Oct 20, 2022Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−72.6%Report
Jul 12, 2022Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−94.0%Report
Mar 10, 2020Robert E. LattaRepublican, HouseBuy$1,001 - $15,000−108.0%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How FARMERS & MERCHANTS BANCORP INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFARMERS & MERCHANTS BANCORP INC1
  • CIK0000792966
  • Employer ID (EIN)34-14694913
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inOhio3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address307-11 N Defiance St, Archbold, OH 435021
  • Mailing address307-11 North Defiance St, Archbold, OH 435021
  • Phone41944625011
  • Shares outstanding13,773,162 as of Jul 24, 202610
  • Public float$321.1M as of Jun 30, 20253
  • AuditorPlante & Moran, PLLC, Columbus, Ohio PCAOB ID 166; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceMay 15, 19961
  • Filings903 in all: 4 (440), 8-K (153), 10-Q (92), 10-K (30), 3 (30), DEF 14A (30), 144 (25), 4/A (19)1
    All 34 form types

    DEFA14A (8), 5 (7), ARS (7), CORRESP (7), UPLOAD (7), PRE 14A (6), 11-K (4), 8-K/A (4), SC 13G/A (4), 424B3 (3), 425 (3), EFFECT (3), S-4 (3), S-4/A (3), 10-K/A (2), 10-Q/A (2), SC 13G (2), 11-K/A (1), 15-12G (1), 8-A12B (1), CERTNAS (1), D (1), D/A (1), POS AM (1), S-8 (1), S-8 POS (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Jul 29, 2026
    Proxy statement (DEF 14A) Mar 24, 2026
    Latest 8-K (8-K) Jul 27, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, No Par ValueFMAONASDAQ

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks FARMERS & MERCHANTS BANCORP INC names in Item 1A of its 10-K filed Feb 27, 2026: 13 risks under these headings, as written.3

  • Dependence upon the Accuracy and Completeness of Information
  • Our Loan Portfolio has a Large Concentration of Real Estate Loans
  • Commercial Loans Make Up a Significant Portion of our Loan Portfolio
  • Susceptibility to Changes in Regulation
  • Liquidity Risk
  • Quantitative Modeling Risk
  • Uninsured Deposit Risk
  • Interest Rate Risk
  • Interest Rate Risk with Respect to the Value of Our Securities Portfolio
  • Inflation Risk
  • Attraction and Retention of Key Personnel
  • Dividend Payout Restrictions
The other 9 risks
  • Maintaining Compliance with Regulatory Capital Requirements
  • Compliance Obligations of Bank Holding Companies and Insured Depositories
  • Access to New Capital
  • Anti-Takeover Provisions
  • Compliance with Environmental Laws
  • Climate Change and Agricultural Sector Risk
  • Significant Competition from an Array of Financial Service Providers
  • Technological Change
  • Potential Impact of Artificial Intelligence and Quantum Computing on Our Operations and Competitiveness
  • Emerging Financial Technologies
  • “Debanking,” Fair Access and Supervisory Expectations
  • Data Privacy, Cybersecurity, and Information Security Compliance
  • Consumer Compliance, CRA Modernization, and Fair Lending
  • Payments, Fee Practices, and Operational Risk
  • Consumer Credit Normalization and Portfolio Risk
  • Operational Risks
  • Risk of Increased Losses from Fraud
  • Potential Inadequacy of our Allowance for Credit Losses
  • Attraction of Deposits and other Short-term Funding
  • Global Economic and Geopolitical Instability Trade Policy, and Inflationary Risks
  • Pandemic, Public-Health, and Agricultural Disease Risks
  • Limited Trading Market

Legal proceedings

There are no material pending legal proceedings, other than ordinary routine proceedings incidental to the business of the Company or its subsidiaries, to which we are a party or of which any of our properties are the subject.

The opening of Item 3, Legal Proceedings.3

Sources

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