UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): ~~November~~January 1729, ~~2025~~2026

Farmers and Merchants Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Maryland	000-55756	81-3605835
(State or other jurisdiction of	(Commission file number)	(IRS Employer
(State or other jurisdiction of incorporation or organization)	(Commission file number)	(IRS Employer Identification No.)
incorporation or organization)		Identification No.)

4510 Lower Beckleysville Road, Suite H, Hampstead, MD	21074
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (410) 374-1510

N/A

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Exchange Act: None

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 82.0102. ~~Other~~Results ~~Events~~of Operation and Financial Condition.

On ~~November~~January 1729, ~~2025~~2026, ~~the Board of Directors of~~ Farmers and Merchants Bancshares, Inc. (the “Company”) ~~declared~~issued a ~~cash~~press ~~dividend~~release ondescribing ~~the~~its ~~common~~financial ~~stock~~results offor ~~$.34~~the ~~per~~three ~~share,~~and ~~which~~twelve ~~will~~months beperiods ~~paid~~ended on December 1531, 2025 ~~to stockholders of record as of December 5, 2025~~. A copy of the ~~Company’s~~ press release ~~relating to the dividend~~ is ~~filed~~furnished herewith as Exhibit 99.1 ~~to this report and incorporated herein by reference~~.

The information contained in this Item 92.0102 ~~Financial~~and ~~Statements~~in ~~and~~Exhibit ~~Exhibits~~99.1 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01. Financial Statements and Exhibits.

(d)

Exhibits.

The exhibits ~~filed~~furnished with this report are listed in the following Exhibit Index:

Exhibit No.	~~Exhibit No.~~Description	~~Description~~
99.1	99Press release dated January 29, 2026 (furnished herewith).1	~~Press release dated November 19, 2025 (filed herewith)~~
104	~~104~~Cover Page Interactive Data File (embedded within the Inline XBRL document).	~~Cover Page Interactive Data File (embedded within the Inline XBRL document).~~

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FARMERS AND MERCHANTS BANCSHARES, INC.
Dated: November 19, 2025	By:	/s/ Gary A. Harris
Dated: January 29, 2026	By:	/s/ Gary A. Harris
		Gary A. Harris
		President & CEO

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