<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Schema Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2022-04-28T09:58:48.6820446+00:00 -->
<!-- Version            : 5.0.1.747 -->
<!-- Package ID         : 272616ba6a794cc0aefdfb38a264b79e -->
<!-- Copyright (c) 2022 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema xmlns:dei="http://xbrl.sec.gov/dei/2021q4" xmlns:fmao="http://www.fm.bank/20220331" xmlns:us-types="http://fasb.org/us-types/2021-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2021" xmlns:srt-types="http://fasb.org/srt-types/2021-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2021" xmlns:sic="http://xbrl.sec.gov/sic/2021" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:srt="http://fasb.org/srt/2021-01-31" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:naics="http://xbrl.sec.gov/naics/2021" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:country="http://xbrl.sec.gov/country/2021" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:currency="http://xbrl.sec.gov/currency/2021" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.fm.bank/20220331" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
  <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:import schemaLocation="https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd" namespace="http://xbrl.org/2020/extensible-enumerations-2.0" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/country/2021/country-2021.xsd" namespace="http://xbrl.sec.gov/country/2021" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/currency/2021/currency-2021.xsd" namespace="http://xbrl.sec.gov/currency/2021" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd" namespace="http://xbrl.sec.gov/dei/2021q4" />
  <xsd:import schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" namespace="http://www.xbrl.org/dtr/type/2020-01-21" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/exch/2021/exch-2021.xsd" namespace="http://xbrl.sec.gov/exch/2021" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/role/negated" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/role/net" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2021/naics-2021.xsd" namespace="http://xbrl.sec.gov/naics/2021" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/sic/2021/sic-2021.xsd" namespace="http://xbrl.sec.gov/sic/2021" />
  <xsd:import schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd" namespace="http://fasb.org/srt/2021-01-31" />
  <xsd:import schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-roles-2021-01-31.xsd" namespace="http://fasb.org/srt-roles/2021-01-31" />
  <xsd:import schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd" namespace="http://fasb.org/srt-types/2021-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd" namespace="http://xbrl.sec.gov/stpr/2021" />
  <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" namespace="http://fasb.org/us-gaap/2021-01-31" />
  <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-roles-2021-01-31.xsd" namespace="http://fasb.org/us-roles/2021-01-31" />
  <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd" namespace="http://fasb.org/us-types/2021-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType id="TemplateLink" roleURI="http://www.fm.bank/20220331/role/TemplateLink" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>00000 - Document - Template Link</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fmao-20220331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:title="Calculation Links, all" xlink:type="simple" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fmao-20220331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fmao-20220331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fmao-20220331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedBalanceSheets" id="Role_StatementCondensedConsolidatedBalanceSheets">
        <link:definition>100010 - Statement - Condensed Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedBalanceSheetsParenthetical" id="Role_StatementCondensedConsolidatedBalanceSheetsParenthetical">
        <link:definition>100020 - Statement - Condensed Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedStatementsOfIncomeUnaudited" id="Role_StatementCondensedConsolidatedStatementsOfIncomeUnaudited">
        <link:definition>100030 - Statement - Condensed Consolidated Statements of Income (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedStatementsOfComprehensiveLossUnaudited" id="Role_StatementCondensedConsolidatedStatementsOfComprehensiveLossUnaudited">
        <link:definition>100040 - Statement - Condensed Consolidated Statements of Comprehensive Loss (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedStatementsOfChangesToStockholderSEquityUnaudited" id="Role_StatementCondensedConsolidatedStatementsOfChangesToStockholderSEquityUnaudited">
        <link:definition>100050 - Statement - Condensed Consolidated Statements of Changes to Stockholder&apos;s Equity (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedStatementsOfChangesToStockholderSEquityParentheticalUnaudited" id="Role_StatementCondensedConsolidatedStatementsOfChangesToStockholderSEquityParentheticalUnaudited">
        <link:definition>100060 - Statement - Condensed Consolidated Statements of Changes to Stockholder&apos;s Equity (Parenthetical) (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/StatementCondensedConsolidatedStatementsOfCashFlowsUnaudited" id="Role_StatementCondensedConsolidatedStatementsOfCashFlowsUnaudited">
        <link:definition>100070 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBasisOfPresentationAndOther" id="Role_DisclosureBasisOfPresentationAndOther">
        <link:definition>100080 - Disclosure - Basis of Presentation and Other</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchase" id="Role_DisclosureBusinessCombinationAndAssetPurchase">
        <link:definition>100090 - Disclosure - Business Combination and Asset Purchase</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecurities" id="Role_DisclosureSecurities">
        <link:definition>100100 - Disclosure - Securities</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoans" id="Role_DisclosureLoans">
        <link:definition>100110 - Disclosure - Loans</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureEarningsPerShare" id="Role_DisclosureEarningsPerShare">
        <link:definition>100120 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstruments" id="Role_DisclosureFairValueOfFinancialInstruments">
        <link:definition>100130 - Disclosure - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase" id="Role_DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase">
        <link:definition>100140 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreements to Repurchase</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSubordinatedNotes" id="Role_DisclosureSubordinatedNotes">
        <link:definition>100150 - Disclosure - Subordinated Notes</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSubsequentEvent" id="Role_DisclosureSubsequentEvent">
        <link:definition>100160 - Disclosure - Subsequent Event</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureRecentAccountingPronouncements" id="Role_DisclosureRecentAccountingPronouncements">
        <link:definition>100170 - Disclosure - Recent Accounting Pronouncements</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureRecentAccountingPronouncementsPolicies" id="Role_DisclosureRecentAccountingPronouncementsPolicies">
        <link:definition>100180 - Disclosure - Recent Accounting Pronouncements (Policies)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseTables" id="Role_DisclosureBusinessCombinationAndAssetPurchaseTables">
        <link:definition>100190 - Disclosure - Business Combination and Asset Purchase (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecuritiesTables" id="Role_DisclosureSecuritiesTables">
        <link:definition>100200 - Disclosure - Securities (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansTables" id="Role_DisclosureLoansTables">
        <link:definition>100210 - Disclosure - Loans (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureEarningsPerShareTables" id="Role_DisclosureEarningsPerShareTables">
        <link:definition>100220 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsTables" id="Role_DisclosureFairValueOfFinancialInstrumentsTables">
        <link:definition>100230 - Disclosure - Fair Value of Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseTables" id="Role_DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseTables">
        <link:definition>100240 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreements to Repurchase (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSubordinatedNotesTables" id="Role_DisclosureSubordinatedNotesTables">
        <link:definition>100250 - Disclosure - Subordinated Notes (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseAdditionalInformationDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseAdditionalInformationDetail">
        <link:definition>100260 - Disclosure - Business Combination and Asset Purchase - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseSummaryOfConsiderationPaidAndAmountsOfAssetsAcquiredAndLiabilitiesAssumedRecognizedDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseSummaryOfConsiderationPaidAndAmountsOfAssetsAcquiredAndLiabilitiesAssumedRecognizedDetail">
        <link:definition>100270 - Disclosure - Business Combination and Asset Purchase - Summary of Consideration Paid and Amounts of Assets Acquired and Liabilities Assumed Recognized (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseSummaryOfConsiderationPaidAndAmountsOfAssetsAcquiredAndLiabilitiesAssumedRecognizedParentheticalDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseSummaryOfConsiderationPaidAndAmountsOfAssetsAcquiredAndLiabilitiesAssumedRecognizedParentheticalDetail">
        <link:definition>100280 - Disclosure - Business Combination and Asset Purchase - Summary of Consideration Paid and Amounts of Assets Acquired and Liabilities Assumed Recognized (Parenthetical) (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseSummaryOfCarryingAmountOfLoansDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseSummaryOfCarryingAmountOfLoansDetail">
        <link:definition>100290 - Disclosure - Business Combination and Asset Purchase - Summary of Carrying Amount of Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseSummaryOfCarryingAmountOfLoansParentheticalDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseSummaryOfCarryingAmountOfLoansParentheticalDetail">
        <link:definition>100300 - Disclosure - Business Combination and Asset Purchase - Summary of Carrying Amount of Loans (Parenthetical) (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseSummaryOfLoansAcquiredAndContractuallyRequiredPaymentsReceivableDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseSummaryOfLoansAcquiredAndContractuallyRequiredPaymentsReceivableDetail">
        <link:definition>100310 - Disclosure - Business Combination and Asset Purchase - Summary of Loans Acquired and Contractually Required Payments Receivable (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseSummaryOfChangesInAccretableYieldOrIncomeExpectedToBeCollectedDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseSummaryOfChangesInAccretableYieldOrIncomeExpectedToBeCollectedDetail">
        <link:definition>100320 - Disclosure - Business Combination and Asset Purchase - Summary of Changes in Accretable Yield or Income Expected to be Collected (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseScheduleOfProFormaResultsDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseScheduleOfProFormaResultsDetail">
        <link:definition>100330 - Disclosure - Business Combination and Asset Purchase - Schedule of Pro-forma Results (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureBusinessCombinationAndAssetPurchaseScheduleOfAnnualAmortizationOfCoreDepositIntangibleAssetsDetail" id="Role_DisclosureBusinessCombinationAndAssetPurchaseScheduleOfAnnualAmortizationOfCoreDepositIntangibleAssetsDetail">
        <link:definition>100340 - Disclosure - Business Combination and Asset Purchase - Schedule of Annual Amortization of Core Deposit Intangible Assets (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecuritiesAmortizedCostAndFairValueOfSecuritiesWithGrossUnrealizedGainsAndLossesDetail" id="Role_DisclosureSecuritiesAmortizedCostAndFairValueOfSecuritiesWithGrossUnrealizedGainsAndLossesDetail">
        <link:definition>100350 - Disclosure - Securities - Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecuritiesAdditionalInformationDetail" id="Role_DisclosureSecuritiesAdditionalInformationDetail">
        <link:definition>100360 - Disclosure - Securities - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecuritiesGrossUnrealizedLossesAggregatedByInvestmentCategoryAndLengthOfTimeDetail" id="Role_DisclosureSecuritiesGrossUnrealizedLossesAggregatedByInvestmentCategoryAndLengthOfTimeDetail">
        <link:definition>100370 - Disclosure - Securities - Gross Unrealized Losses, Aggregated by Investment Category and Length of Time (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecuritiesGrossRealizedGainsAndLossesDetail" id="Role_DisclosureSecuritiesGrossRealizedGainsAndLossesDetail">
        <link:definition>100380 - Disclosure - Securities - Gross Realized Gains and Losses (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSecuritiesAmortizedCostAndFairValueOfDebtSecuritiesByContractualMaturityDetail" id="Role_DisclosureSecuritiesAmortizedCostAndFairValueOfDebtSecuritiesByContractualMaturityDetail">
        <link:definition>100390 - Disclosure - Securities - Amortized Cost and Fair Value of Debt Securities, by Contractual Maturity (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansLoansDetail" id="Role_DisclosureLoansLoansDetail">
        <link:definition>100400 - Disclosure - Loans - Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansDistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryDetail" id="Role_DisclosureLoansDistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryDetail">
        <link:definition>100410 - Disclosure - Loans - Distribution of Fixed Rate Loans and Variable Rate Loans by Major Loan Category (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansAdditionalInformationDetail" id="Role_DisclosureLoansAdditionalInformationDetail">
        <link:definition>100420 - Disclosure - Loans - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansContractualAgingOfRecordedInvestmentInPastDueLoansByPortfolioClassificationOfLoansDetail" id="Role_DisclosureLoansContractualAgingOfRecordedInvestmentInPastDueLoansByPortfolioClassificationOfLoansDetail">
        <link:definition>100430 - Disclosure - Loans - Contractual Aging of Recorded Investment in Past Due Loans by Portfolio Classification of Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansRecordedInvestmentInNonaccrualLoansByPortfolioClassOfLoansDetail" id="Role_DisclosureLoansRecordedInvestmentInNonaccrualLoansByPortfolioClassOfLoansDetail">
        <link:definition>100440 - Disclosure - Loans - Recorded Investment in Nonaccrual Loans by Portfolio Class of Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansTierRiskRatingSystemAdditionalInformationDetail" id="Role_DisclosureLoansTierRiskRatingSystemAdditionalInformationDetail">
        <link:definition>100450 - Disclosure - Loans (Tier Risk Rating System) - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansRiskCategoryOfLoansByPortfolioClassDetail" id="Role_DisclosureLoansRiskCategoryOfLoansByPortfolioClassDetail">
        <link:definition>100460 - Disclosure - Loans - Risk Category of Loans by Portfolio Class (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansRecordedInvestmentForConsumerLoansCreditQualityBasedOnStatusOfLoanAndPaymentActivityDetail" id="Role_DisclosureLoansRecordedInvestmentForConsumerLoansCreditQualityBasedOnStatusOfLoanAndPaymentActivityDetail">
        <link:definition>100470 - Disclosure - Loans - Recorded Investment for Consumer Loans, Credit Quality based on Status of Loan and Payment Activity (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansScheduleOfImpairedLoansDetail" id="Role_DisclosureLoansScheduleOfImpairedLoansDetail">
        <link:definition>100480 - Disclosure - Loans - Schedule of Impaired Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansImpairedLoansAdditionalInformationDetail" id="Role_DisclosureLoansImpairedLoansAdditionalInformationDetail">
        <link:definition>100490 - Disclosure - Loans (Impaired Loans) - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansLoansIndividuallyEvaluatedForImpairmentByPortfolioClassOfLoansDetail" id="Role_DisclosureLoansLoansIndividuallyEvaluatedForImpairmentByPortfolioClassOfLoansDetail">
        <link:definition>100500 - Disclosure - Loans - Loans Individually Evaluated for Impairment by Portfolio Class of Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansSummaryOfActivitiesInAllowanceForCreditLossesDetail" id="Role_DisclosureLoansSummaryOfActivitiesInAllowanceForCreditLossesDetail">
        <link:definition>100510 - Disclosure - Loans - Summary of Activities in Allowance for Credit Losses (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansALLLAdditionalInformationDetail" id="Role_DisclosureLoansALLLAdditionalInformationDetail">
        <link:definition>100520 - Disclosure - Loans (ALLL) - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureLoansAnalysisOfAllowanceForCreditLossesDetail" id="Role_DisclosureLoansAnalysisOfAllowanceForCreditLossesDetail">
        <link:definition>100530 - Disclosure - Loans - Analysis of Allowance for Credit Losses (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureEarningsPerShareAdditionalInformationDetail" id="Role_DisclosureEarningsPerShareAdditionalInformationDetail">
        <link:definition>100540 - Disclosure - Earnings Per Share - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureEarningsPerShareCalculationOfBasicEarningsPerShareDetail" id="Role_DisclosureEarningsPerShareCalculationOfBasicEarningsPerShareDetail">
        <link:definition>100550 - Disclosure - Earnings Per Share - Calculation of Basic Earnings Per Share (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsEstimatedFairValuesAndRelatedCarryingOrNotionalAmountsDetail" id="Role_DisclosureFairValueOfFinancialInstrumentsEstimatedFairValuesAndRelatedCarryingOrNotionalAmountsDetail">
        <link:definition>100560 - Disclosure - Fair Value of Financial Instruments - Estimated Fair Values and Related Carrying or Notional Amounts (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsFinancialAssetsMeasuredAtFairValueOnRecurringBasisDetail" id="Role_DisclosureFairValueOfFinancialInstrumentsFinancialAssetsMeasuredAtFairValueOnRecurringBasisDetail">
        <link:definition>100570 - Disclosure - Fair Value of Financial Instruments - Financial Assets Measured at Fair Value on Recurring Basis (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsAdditionalInformationDetail" id="Role_DisclosureFairValueOfFinancialInstrumentsAdditionalInformationDetail">
        <link:definition>100580 - Disclosure - Fair Value of Financial Instruments - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsChangesInLevel3FairValueCategoryOfUnobservableInputsDetail" id="Role_DisclosureFairValueOfFinancialInstrumentsChangesInLevel3FairValueCategoryOfUnobservableInputsDetail">
        <link:definition>100590 - Disclosure - Fair Value of Financial Instruments - Changes in the Level 3 Fair Value Category of Unobservable Inputs (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsQuantitativeInformationAboutUnobservableInputsUsedInRecurringAndNonrecurringLevel3FairValueMeasurementsDetail" id="Role_DisclosureFairValueOfFinancialInstrumentsQuantitativeInformationAboutUnobservableInputsUsedInRecurringAndNonrecurringLevel3FairValueMeasurementsDetail">
        <link:definition>100600 - Disclosure - Fair Value of Financial Instruments - Quantitative Information about Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFairValueOfFinancialInstrumentsImpairedLoansDetail" id="Role_DisclosureFairValueOfFinancialInstrumentsImpairedLoansDetail">
        <link:definition>100610 - Disclosure - Fair Value of Financial Instruments - Impaired Loans (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseAdditionalInformationDetail" id="Role_DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseAdditionalInformationDetail">
        <link:definition>100620 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreements to Repurchase - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseScheduleOfRemainingContractualMaturityInRepurchaseAgreementsDetail" id="Role_DisclosureFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseScheduleOfRemainingContractualMaturityInRepurchaseAgreementsDetail">
        <link:definition>100630 - Disclosure - Federal Funds Purchased and Securities Sold Under Agreements to Repurchase - Schedule of Remaining Contractual Maturity in Repurchase Agreements (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSubordinatedNotesAdditionalInformationDetail" id="Role_DisclosureSubordinatedNotesAdditionalInformationDetail">
        <link:definition>100640 - Disclosure - Subordinated Notes - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSubordinatedNotesScheduleOfSubordinatedNotesDetail" id="Role_DisclosureSubordinatedNotesScheduleOfSubordinatedNotesDetail">
        <link:definition>100650 - Disclosure - Subordinated Notes - Schedule of Subordinated Notes (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fm.bank/20220331/taxonomy/role/DisclosureSubsequentEventAdditionalInformationDetail" id="Role_DisclosureSubsequentEventAdditionalInformationDetail">
        <link:definition>100660 - Disclosure - Subsequent Event - Additional Information (Detail)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalFundsSold" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalFundsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDeposits" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherSecurities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearing" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearing" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankAdvances" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" name="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_AvailableForSaleDebtSecuritiesAmortizedCostBasisExcludingMortgageBackedSecurities" name="AvailableForSaleDebtSecuritiesAmortizedCostBasisExcludingMortgageBackedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_MortgageBackedSecuritiesAvailableForSaleAmortizedCost" name="MortgageBackedSecuritiesAvailableForSaleAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_InterestIncomeExpenseFederalFundsSoldAndPurchased" name="InterestIncomeExpenseFederalFundsSoldAndPurchased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_AtmExpense" name="AtmExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_StockIssuedDuringPeriodDirectorsStockAwards" name="StockIssuedDuringPeriodDirectorsStockAwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_StockIssuedDuringPeriodDirectorsStockAwardsShares" name="StockIssuedDuringPeriodDirectorsStockAwardsShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_AmortizationOfCustomerListIntangible" name="AmortizationOfCustomerListIntangible" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_AmortizationAccretionOfFairValueAdjustments" name="AmortizationAccretionOfFairValueAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_IncreaseInCashSurrenderValueOfBankOwnedLifeInsurance" name="IncreaseInCashSurrenderValueOfBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_PaymentsToAcquireAvailableForSaleSecuritiesDebtIncludingAdjustmentForSecuritiesAcquiredInAcquisition" name="PaymentsToAcquireAvailableForSaleSecuritiesDebtIncludingAdjustmentForSecuritiesAcquiredInAcquisition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_PaymentsToAcquireSalesOfOtherSecurities" name="PaymentsToAcquireSalesOfOtherSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_ActivityInOtherSecuritiesAtCostAbstract" name="ActivityInOtherSecuritiesAtCostAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_PerpetualFederalSavingBankMember" name="PerpetualFederalSavingBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_OssianFinancialServiceIncorporatedMember" name="OssianFinancialServiceIncorporatedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_BusinessCombinationsLoansAcquiredCarryingAmountTableTextBlock" name="BusinessCombinationsLoansAcquiredCarryingAmountTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodTableTextBlock" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAcquiredDuringPeriodTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementTableTextBlock" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_DistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryTableTextBlock" name="DistributionOfFixedRateLoansAndVariableRateLoansByMajorLoanCategoryTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ContractualAgingOfRecordedInvestmentInPastDueLoansByClassOrLoansTableTextBlock" name="ContractualAgingOfRecordedInvestmentInPastDueLoansByClassOrLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_RiskCategoryOfLoansTableTextBlock" name="RiskCategoryOfLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock" name="RecordedInvestmentInThoseClassesBasedOnPaymentActivityAndAssignedGradingTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock" name="ScheduleOfLoansIndividuallyEvaluatedForImpairmentByPortfolioSegmentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ContributionProvidedByBothRecoveriesAndProvisionAlongWithReductionOfAllowanceCausedByChargeOffsTableTextBlock" name="ContributionProvidedByBothRecoveriesAndProvisionAlongWithReductionOfAllowanceCausedByChargeOffsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ActivitiesInAllowanceForCreditLossesTableTextBlock" name="ActivitiesInAllowanceForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_NumberOfFullServiceOffices" name="NumberOfFullServiceOffices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmao_CashConsiderationPayableOnAcquisitionPerShare" name="CashConsiderationPayableOnAcquisitionPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmao_BusinessAcquisitionEquityInterestIssuedOrIssuablePerShareOfAcquiredEntity" name="BusinessAcquisitionEquityInterestIssuedOrIssuablePerShareOfAcquiredEntity" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_BusinessAcquisitionShareOwnedSubjectToAdjustment" name="BusinessAcquisitionShareOwnedSubjectToAdjustment" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_OssianStateBankMember" name="OssianStateBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_BankOfGenevaMember" name="BankOfGenevaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_LimberlostBancsharesIncMember" name="LimberlostBancsharesIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_PerpetualFederalSavingsBankMember" name="PerpetualFederalSavingsBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_AdamsCountyFinancialResourcesMember" name="AdamsCountyFinancialResourcesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositsAbstract" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_LoanReceivableWeightedAverageUsefulLife" name="LoanReceivableWeightedAverageUsefulLife" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_BusinessCombinationIdentifiableAssetsInPremisesAndEquipmentWrittenDownValue" name="BusinessCombinationIdentifiableAssetsInPremisesAndEquipmentWrittenDownValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessCombinationAverageRemainingUsefulLife" name="BusinessCombinationAverageRemainingUsefulLife" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_FairValueForCertificateOfDepositValuationAmount" name="FairValueForCertificateOfDepositValuationAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_FairValueForCertificateOfDepositAmortizationPeriod" name="FairValueForCertificateOfDepositAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_FairValueOfFederalHomeLoanBankAdvancesValuationAmount" name="FairValueOfFederalHomeLoanBankAdvancesValuationAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_FairValueOfFederalHomeLoanBankAdvancesAmortizationPeriod" name="FairValueOfFederalHomeLoanBankAdvancesAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ConsumerRealEstateLoanMember" name="ConsumerRealEstateLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_AgriculturalRealEstateMember" name="AgriculturalRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_AgricultureRealEstateMember" name="AgricultureRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesFairValueAdjustment" name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesFairValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_DiscountRecognizedAtAcquisitionRelatedToCommercialPurchasedCreditImpairedLoans" name="DiscountRecognizedAtAcquisitionRelatedToCommercialPurchasedCreditImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_NumberOfCommercialPurchasedCreditImpairedLoansPaidOff" name="NumberOfCommercialPurchasedCreditImpairedLoansPaidOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_NumberOfConsumerPurchasedCreditImpairedLoansPaidOff" name="NumberOfConsumerPurchasedCreditImpairedLoansPaidOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_GoodwillDeductibleForTaxPurposePeriod" name="GoodwillDeductibleForTaxPurposePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNetInterestIncomeBeforeProvisionForLoanLosses" name="BusinessAcquisitionsProFormaNetInterestIncomeBeforeProvisionForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaProvisionForLoanLosses" name="BusinessAcquisitionsProFormaProvisionForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNetInterestIncomeAfterProvisionForLoanLosses" name="BusinessAcquisitionsProFormaNetInterestIncomeAfterProvisionForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNoninterestIncome" name="BusinessAcquisitionsProFormaNoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaNoninterestExpense" name="BusinessAcquisitionsProFormaNoninterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaIncomeLossBeforeIncomeTaxes" name="BusinessAcquisitionsProFormaIncomeLossBeforeIncomeTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BusinessAcquisitionsProFormaIncomeTaxesExpenseBenefit" name="BusinessAcquisitionsProFormaIncomeTaxesExpenseBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_BusinessAcquisitionProFormaEarningsPerShareBasicAndDiluted" name="BusinessAcquisitionProFormaEarningsPerShareBasicAndDiluted" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_FiniteLivedTangibleAssetsAcquired" name="FiniteLivedTangibleAssetsAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_GenevaMember" name="GenevaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_NumberOfClientsAssetsUnderManagement" name="NumberOfClientsAssetsUnderManagement" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmao_MaturityPeriodForUnderWaterSecurities" name="MaturityPeriodForUnderWaterSecurities" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ForUnderWaterSecuritiesLossPositionExpirationPeriod" name="ForUnderWaterSecuritiesLossPositionExpirationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_FederalHomeLoanBankOfCincinnatiAndIndianapolisStockMember" name="FederalHomeLoanBankOfCincinnatiAndIndianapolisStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_OhioEquityFundForHousingLimitedPartnershipMember" name="OhioEquityFundForHousingLimitedPartnershipMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_AvailableForSaleSecuritiesGrossRealizedGainLossTaxExpenses" name="AvailableForSaleSecuritiesGrossRealizedGainLossTaxExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_AvailableForSaleSecuritiesDebtMaturitiesFairValueExcludingMortgageBackedSecurities" name="AvailableForSaleSecuritiesDebtMaturitiesFairValueExcludingMortgageBackedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_AgriculturalLoanMember" name="AgriculturalLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_OtherLoanMember" name="OtherLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_PaycheckProtectionProgramLoansMember" name="PaycheckProtectionProgramLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_CommercialAndIndustrialAndIndustrialDevelopmentBondsMember" name="CommercialAndIndustrialAndIndustrialDevelopmentBondsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_RepaymentPeriodOfLoanWithReasonableReductionOfPrincipalBalance" name="RepaymentPeriodOfLoanWithReasonableReductionOfPrincipalBalance" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ExcellentAndGoodMember" name="ExcellentAndGoodMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_SatisfactoryMember" name="SatisfactoryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_SatisfactoryMonitoredMember" name="SatisfactoryMonitoredMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_LossMember" name="LossMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_ConsumerOtherFinancingReceivablesMember" name="ConsumerOtherFinancingReceivablesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_AdditionalFundsAvailableToBeAdvancedInConnectionWithImpairedLoans" name="AdditionalFundsAvailableToBeAdvancedInConnectionWithImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringWriteDown" name="FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringWriteDown" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringChargedOff" name="FinancingReceivablesImpairedNumberOfTroubledDebtRestructuringChargedOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_MaximumTimeForReevaluation" name="MaximumTimeForReevaluation" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_ReEvaluationPeriodForRealEstate" name="ReEvaluationPeriodForRealEstate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_UnsecuredConsumerLoansCreditCardCreditsAndOverdraft" name="UnsecuredConsumerLoansCreditCardCreditsAndOverdraft" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_DelinquentPeriodForChargingDownConsumerLoans" name="DelinquentPeriodForChargingDownConsumerLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_DelinquentPeriodForChargingDownOrAllocatedCommercialAndAgriculturalCredits" name="DelinquentPeriodForChargingDownOrAllocatedCommercialAndAgriculturalCredits" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_LitigationAndAnyDeficiencyChargedOffPeriod" name="LitigationAndAnyDeficiencyChargedOffPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_AllowanceForUnfundedLoanCommitmentsAndLettersOfCredit" name="AllowanceForUnfundedLoanCommitmentsAndLettersOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_BankOfGenevaAndOssianStateBankMember" name="BankOfGenevaAndOssianStateBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_OtherNonInterestIncomeExpenseRecoveryRelatedToUnfunded" name="OtherNonInterestIncomeExpenseRecoveryRelatedToUnfunded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_AllowanceForCreditLossesAbstract" name="AllowanceForCreditLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQualityEndingPeriod" name="FinancingReceivableAllowanceForCreditLossesAcquiredWithDeterioratedCreditQualityEndingPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_FinancingReceivablesAbstract" name="FinancingReceivablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_UnfundedLoanCommitmentAndLettersOfCreditMember" name="UnfundedLoanCommitmentAndLettersOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_NumberOfDirectorsReceivedShares" name="NumberOfDirectorsReceivedShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="fmao_CompensationAnnualBasisCommitteeAward" name="CompensationAnnualBasisCommitteeAward" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_NumberOfDirectorReceivedShares" name="NumberOfDirectorReceivedShares" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_NumberOfDirectorsReceivedProratedDollarValueOfShares" name="NumberOfDirectorsReceivedProratedDollarValueOfShares" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_CashCashEquivalentsAndFederalFundsSoldFairValueDisclosure" name="CashCashEquivalentsAndFederalFundsSoldFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_InterestBearingTimeDepositsFairValueDisclosure" name="InterestBearingTimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="fmao_InterestBearingDepositsLiabilityMember" name="InterestBearingDepositsLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_NonInterestBearingDepositsMember" name="NonInterestBearingDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_TimeDepositsMember" name="TimeDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_NumberOfSecurityTransfer" name="NumberOfSecurityTransfer" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationAndAdjustments" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationAndAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="fmao_USStatesAndPoliticalSubdivisionsTaxExemptDebtSecuritiesMember" name="USStatesAndPoliticalSubdivisionsTaxExemptDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_USStatesAndPoliticalSubdivisionsTaxableDebtSecuritiesMember" name="USStatesAndPoliticalSubdivisionsTaxableDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_ImpairedLoansMember" name="ImpairedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_MortgageServicingRightsMember" name="MortgageServicingRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_FeesAndCommissionsIncomeAbstract" name="FeesAndCommissionsIncomeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="fmao_PercentageOfNotesPricesOnPrincipalAmount" name="PercentageOfNotesPricesOnPrincipalAmount" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_DebtInstrumentPaymentDate" name="DebtInstrumentPaymentDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="fmao_SpecialDividendMember" name="SpecialDividendMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
