Exhibit 99

Company Press Release dated February 8, 2017


             LOGO       NEWS RELEASE

Post Office Box 216

307 North Defiance Street

Archbold, Ohio 43502


Company Contact:   Investor and Media Contact:

Marty Filogamo

Senior Vice President – Marketing Manager

Farmers & Merchants Bancorp, Inc.

(419) 445-3501 ext. 15435



Andrew M. Berger

Managing Director

SM Berger & Company, Inc.

(216) 464-6400





ARCHBOLD, OHIO, February 8, 2017 Farmers & Merchants Bancorp, Inc. (OTCQX: FMAO) today reported financial results for the 2016 fourth quarter and twelve months ended December 31, 2016.

2016 Fourth Quarter Financial Highlights Include (on a year-over-year basis unless noted):


A. 55 consecutive quarters of profitability


B. Total loans increased 2.9% from 2016 third quarter


C. Net interest income after provision for loan losses increased 9.6% to $8,468,000


D. Net income increased 15.2% to $3,194,000


E. Basic and diluted earnings per share increased 15.0% to $0.69


F. Noninterest income improved 7.2% to $2,899,000


G. Return on average assets of 1.22%, up from 1.14%


H. Return on average equity of 10.12%, up from 9.26%

2016 Full-Year Financial Highlights Include:


    Total loans increased 10.8% to a record $760,149,000


    Net interest income after provision for loan losses increased 10.0% to $32,383,000


    Net income increased 12.8% to a record $11,664,000


    Basic and diluted earnings per share increased 12.9% to a record $2.53


    Noninterest income improved 5.4% to $11,368,000


    Return on average assets of 1.14%, up from 1.08%


    Return on average equity of 9.38%, up from 8.80%


    Tangible book value per share increased 4.8% to $26.13

Paul S. Siebenmorgen, President and Chief Executive Officer, stated, “We ended 2016 with record earnings, assets, and total loans, as well as declared a record $4,162,000 of dividends to our shareholders, an increase of 4.4% from the previous year. 2016’s record results reflect the successful execution of our growth-oriented business plan, the dedication of our associates, and the valuable financial products and solutions we offer our customers. During 2016, we opened new F&M locations in Huntertown, Indiana and Bowling Green, Ohio, and have assembled strong teams of associates and managers to drive our growth potential in these exciting markets. In addition, we continued to invest in expanding our online, digital, and mobile platforms, and recently announced an agreement with Intuit that makes integrating F&M business and personal accounts with QuickBooks an easy and seamless process. We also announced a partnership with Bowling Green State University Athletics and Falcon Sports Properties to provide customers a cobranded F&M/BGSU Athletics Affinity Credit Card. F&M will also receive sponsorships and various advertising opportunities at BG Athletic events. As you can see, we are working hard to expand our organization and increase our market share. We were successful achieving our growth goals in 2016 and we are optimistic 2017 will be another good year for the bank.”

The following information was filed by Farmers Merchants Bancorp Inc (FMAO) on Wednesday, February 8, 2017 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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