Farmers & Merchants Bancorp, Inc.
Farmers & Merchants Bancorp is a community bank with a single, high-frequency congressional trader accounting for all 8 reported purchases in the last 12 months, with individual transactions up to $50k.
BusinessWhat FMAO does
Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank, providing commercial and retail banking services. Its revenue is derived from traditional banking activities including net interest income from loans and investments, and non-interest income from service charges and fees. The company is a small-cap institution with a market capitalization of approximately $383 million.
12 months past · 3 months futureFMAO activity timeline
Lifetime Government AwardsFMAO federal contracts
FMAO doesn't hold direct federal contracts.
Verified via USASpending.gov: $0 reported in direct prime-contract awards. Companies in this position typically sell federal services indirectly through prime contractors and integrators (e.g., Lockheed Martin, Booz Allen, Microsoft Azure) or through commercial channels that don't appear in USASpending data.
Smart Money · 13F HoldingsHedge funds holding FMAO
Politicians Trading FMAOMembers of Congress with recent FMAO positions
Congressional TradesWho in Congress is trading FMAO
Corporate Insiders · Form 4What CEOs, CFOs, and directors are doing with their own stock
Stock awards & option exercises
Bills Affecting FMAOLive legislation impacting this stock
Political ProfileWhere FMAO sits in Washington
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STRUCTURAL: No direct lobbying, donations, or federal contracts. High regulatory density from 8 finance-sector bills. EVIDENTIARY: Singular, repeated congressional buying pattern (Rep. Laurel Lee, 8 purchases). One recent corporate insider buy (`Recent corp insider Form 4 buys`). Net: Evidentiary signal from concentrated, repeated political and insider buying outweighs neutral structural profile.
Regulatory ExposureThreats & opportunities
Regulatory threats
-
High exposure to general financial sector legislationMultiple (Congress, Federal Reserve, FDIC, CFPB)"`Recent bill_impacts` lists 8 finance-sector bills with material estimated revenue impacts, ranging from $2.32M to $2.92M."
Regulatory opportunities
- No specific regulatory opportunities flagged.
Capitol Hill AlliesChampions & critics
Congressional champions
Congressional critics
- No specific congressional critics identified.
Live signals + predictions for FMAO — for Founders
The free page above gives you the public record. Members see the real-time intelligence layer on top of it:
- Live 7-layer signal scores when Congress trades FMAO
- Bill Pass Index v2 odds for every bill on the watch list
- Iron Triangle alerts (committee × donor × trade)
- SEC Form 4 cluster detection (CEO + CFO + director buys)
- Whale-Opportunity expected-value ranking
- Custom watchlist alerts via email + Discord