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Farmers and Merchants Bancshares, Inc. is a Maryland-based bank holding company operating Farmers and Merchants Bank, a community bank serving Maryland since 1919. It offers retail and commercial banking services, including loans, deposits, mortgage lending, and treasury services. The company also owns a captive insurance subsidiary to manage risk and enhance operational efficiency, focusing on regional markets with a competitive, relationship-driven business model.
This description was generated via AI from an annual report. Updated about 1 year ago.