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Loan Expense at other companies

Chemung Financial logo
Chemung FinancialCHMG
$334K+20.1%
Equity Bancshares logo
Equity BancsharesEQBK
$498K+286%
Origin Bancorp logo
Origin BancorpOBK
$895K+49.4%
Horizon Bancorp logo
Horizon BancorpHBNC
$1.22M+76.9%
Customers Bancorp logo
Customers BancorpCUBI
$3.86M-16.7%
Ponce Financial Group, Inc. logo
Ponce Financial Group, Inc.PDLB
$121K-68.8%

Other financials

Income statement

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Revenue$32.4M+15.6%
Net income$9.6M+37.8%
EPS (diluted)$0.70+37.3%

Balance sheet

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Cash & equivalents$173.5M+0.3%
Total debt$5.7M-10.4%
Total equity$375.9M+9.1%
Total assets$3.5B+2.9%

Cash flow

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Operating cash flow$7.7M-30.5%
CapEx$663.0K+71.8%
Free cash flow$7.0M-34.2%

Valuation

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Market cap$412.08M+25.6%
P/E11.5×-0.5×
P/S3.3×+0.2×

Profitability

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Net margin28.6%+2.5pp
FCF margin24.9%-13.0pp

Returns & leverage

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Return on equity10%+1.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Farmers & Merchants Bancorp in its filing.

Tagged under the XBRL concept fmao:LoanExpense.

The official record: Farmers & Merchants Bancorp’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Farmers & Merchants Bancorp's loan expense?
Farmers & Merchants Bancorp (FMAO) reported loan expense of $309K in Q1 2026.
How has Farmers & Merchants Bancorp's loan expense changed year-over-year?
Farmers & Merchants Bancorp's loan expense increased by 35.5% year-over-year, from $228K to $309K.
What is the long-term trend for Farmers & Merchants Bancorp's loan expense?
Over 3 years (2022 to 2025), Farmers & Merchants Bancorp's loan expense has grown at a 4.2% compound annual growth rate (CAGR), from $1.07M to $1.21M.
What does loan expense mean?
This captures direct costs incurred by the bank in the process of originating, processing, or managing loan portfolios that are not capitalized as part of the loan balance. It includes third-party costs such as appraisal fees, credit report charges, and legal documentation expenses associated with lending activities. Tracking this helps assess the operational efficiency of the bank's credit origination process.